What Is a DSCR Loan?

A DSCR loan (Debt Service Coverage Ratio loan) is a no-income-verification loan that qualifies borrowers based on the property's rental income vs. expenses. If the rental income can cover the mortgage payment (typically a DSCR of 1.0 or higher), you may qualify-even if you're self- employed or have complex finances

DSCR Loans

  • DSCR Loan Highlights:

  • Loan amounts up to $3,500,000 for qualified borrowers

  • Up to 85% financing for purchase or rate/term refinance

  • Up to 75% financing for cash-out

  • Minimum 620 credit score

  • 1–4 unit properties and condos permitted

  • Non-warrantable condos OK

  • Airbnb & VRBO properties eligible

  • Unlimited number of financed properties

  • Gift funds allowed for down payment

  • Leasehold properties eligible

  • Interest-only payment options available

  • Qualify using rental income — not personal income or tax returns.

Hard Money Loans

  • Fast Approval & Fast Funding

  • Shorter Term, usually 6-24 months (often 12 months or less)

  • Used by Real Estate Investors acquiring distressed properties, funding rehabs or bridging gaps

  • Ideal for House Flipping, Renovating to Sell Quickly

  • No tax returns or W-2s required

  • Close in as little as 2-3 weeks

  • Qualify based on rental income (not personal DTI)

  • Available for short-term and long-term rentals (including Airbnb)

  • Ideal for portfolio growth and cash-flowing properties

Perfect For

  • Real estate ianvestors with multiple properties

  • Self-employed or non-traditional income earners

  • Buyers building rental portfolios (single-family, multifamily, condos)

  • Turnkey property buyers and Airbb operators

Let's Get You Approved

If you're ready to take the next step toward building or expanding your rental property portfolio with a DSCR loan, I'm here to help.

Contact

: 720-471-2453

Location

: 24661 E Park Crescent Dr, Aurora, CO 80016, United States

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