Your Income Isn't the Story. Your Property's Cash Flow Is.
No tax returns. No W-2s. No employment verification.
DSCR loans are built for real estate investors who are serious about building a portfolio. The property qualifies itself — you just need the right advisor to get the deal closed.
✓ No Tax Returns Required✓ Qualify on Rental Income✓ LLC Borrowing Accepted✓ No Property Count Limit
At a Glance
📊
Min. Credit Score
660+ (720+ for best)
💰
Down Payment
20–25% (SFR)
🏦
Min. DSCR Ratio
1.00x (1.25x+ best)
🏢
LLC Borrowing
Yes — widely accepted
📋
Income Docs
None required
⚡
Loan Amounts
$100K – $5M+
Rudy's Perspective
Built for Investors. By Someone Who Is One.
I bought my first investment property at 21. I got my real estate license specifically to represent myself — because I wanted to understand the process from the inside out. Once I got into mortgage lending and saw how much a well-structured loan could change an investor's trajectory, I never looked back.
The traditional mortgage system is designed for W-2 employees with clean tax returns. Real estate investors are not that. You write off depreciation. You have multiple income streams. Your taxable income on paper looks nothing like your actual cash flow. DSCR loans were designed to solve exactly that problem.
If you have been told you cannot get a loan because you are self-employed, own too many properties, or your reported income is not high enough — there is almost always a way. And DSCR is often that way.
The Formula
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio. A DSCR loan qualifies you based on the cash flow generated by the property — not your personal income. The lender asks one central question: does this property make enough money to pay for itself? If yes, you qualify.
DSCR Formula
Gross Monthly Rent ÷ Total PITIA
PITIA = Principal + Interest + Taxes + Insurance + HOA
📋
1.25x+ DSCR
Best pricing and widest lender choice. Property generates 25% more than it costs monthly.
✅
1.00x–1.24x
Standard approval range. Most lenders will approve at this level with the right credit and down payment.
⚠️
Below 1.00x
Specialty lenders can go to 0.75x with strong credit (720+) and larger down payment.
🏢
LLC Accepted
Close in your LLC, LP, or other entity. Formation docs, operating agreement, and EIN required.
Who It's For
Why DSCR Changes the Game
✅ DSCR Is the Right Tool If...
✓ Self-employed with complex income
✓ You own 4+ financed properties
✓ Taxable income understates real cash flow
✓ Buying a short-term or vacation rental
✓ Want to close in an LLC
✓ Building a portfolio deal by deal
⚠️ May Not Be Best If...
→ W-2 income with clean docs and <4 properties
→ The property does not cash flow at 1.00x+
→ Primary residence (DSCR is investment only)
→ Rate premium is a dealbreaker (conventional may be cheaper)
Rudy always compares DSCR and conventional side by side with real numbers so you make an informed decision.
What to Expect
The DSCR Process with Rudy
1
Deal Analysis Call — Day 1
We run the property numbers, DSCR ratio, rate estimate, and whether the deal works. No cost. No obligation.
2
Pre-Approval — Days 1 to 3
Minimal docs: ID, credit pull, bank statements for reserves, entity docs if closing in LLC. No tax returns. No W-2s.
3
Lender Selection & Application
Rudy matches your file to the right lender — STR-friendly, sub-1 DSCR, interest-only, or speed-focused depending on your deal.
4
Appraisal with Market Rent Analysis
The appraiser sets value AND market rent. That rent figure is what the lender uses to calculate DSCR.
5
Clear to Close — Days 21 to 30
Most DSCR loans close in 21–30 days. No income verification speeds underwriting. The main variable is the appraisal.
Quick Answers
DSCR Loan FAQ
No. No W-2s, tax returns, pay stubs, or employment verification. Credit and bank statements for reserves only. The property qualifies — not you personally.
Yes. Most DSCR lenders accept LLC, LP, and entity borrowers. You will need formation documents, operating agreement, and EIN letter. Some require a personal guarantee.
Most lenders want 1.00x to 1.25x. Some specialty lenders go to 0.75x with strong credit (720+) and larger down payment. Best pricing starts at 1.20x–1.25x.
The lender orders an appraisal with a market rent analysis. The appraiser's estimated market rent is used. Rudy recommends reviewing comps before running numbers.
Correct. There is no limit on how many properties you can own with DSCR financing. Each deal is evaluated on that property's cash flow independently.
Most close in 21 to 30 days. No income verification speeds the underwriting process significantly. The main variable is the appraisal timeline.
Your Next Investment Property Is Waiting.
Tell Rudy about your deal — he will run the numbers, tell you what you qualify for, and give you an honest assessment. That conversation is free.