DSCR Mortgage for Real Estate Investors
Invest in Rental Properties Without Income Docs
If you’re a real estate investor looking for a simplified way to qualify for a mortgage on a rental property—without the need to verify your personal income—a Debt Service Coverage Ratio (DSCR) loan may be the perfect solution.
Instead of relying on your job or tax returns, DSCR loans use the property’s cash flow to qualify. It’s a game-changer for new and seasoned investors alike.
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a mortgage designed for purchasing or refinancing short-term and long-term rental properties. These loans are qualified based on a property’s rental income rather than the borrower’s income or employment.
No W-2s, No paystubs, No tax returns.
Who Is It For?
- Real estate investors
- Short-term rental property owners (Airbnb/VRBO)
- Buyers using LLCs or investment entities
- Borrowers with multiple financed properties
- Foreign nationals and non-permanent residents
How Is DSCR Calculated?
DSCR = Rent ÷ PITIA
(PITIA = Principal, Interest, Taxes, Insurance, HOA Fees)
| Rent | PITIA | DSCR | Result |
| $1100 | $1000 | 1.10 | ✅ Positive Cash Flow |
| $1000 | $1000 | 1.00 | ⚖️ Break-Even |
| $900 | $1000 | 0.90 | ❌ Negative Cash Flow |
Loans may be available even with DSCR < 1.0
Contact us today to calculate your DSCR and take the next step toward building real estate wealth: Schedule A Call. Or begin your pre-approval process for this loan option.
Key Loan Features
| Feature | Details |
| Max Loan Amount | Up to $3 million |
| Minimum Loan Amount | $100,000 |
| Loan Types | Purchase, Cash-Out, or Rate-Term Refi |
| Property Types | Short-term & long-term rentals |
| LTV / Credit Requirements | Up to 75% LTV – 680+ FICO Up to 85% LTV – 720+ FICO |
| Documentation | No income or employment required |
| Ownership Type | LLC, S Corp, C Corp, Revocable Trusts |
| Foreign Nationals | ✅ Allowed |
| First-Time Home Buyer | ❌ Not Allowed |
| Interest-Only Option | ✅ Available |
| Seller Concessions | Up to 6% |
Unique DSCR Program Advantages
- ✅ AirDNA Reports accepted for short-term rentals
- ✅ No cap on total financed properties
- ✅ Max 5 loans with Angel Oak (exceptions considered)
- ✅ Non-warrantable condos and condo hotels allowed
- ✅ Gift money accepted
Gift Money Rules
- Investment properties require borrower to have 10% down payment of their own funds + 3 months of the total monthly payment in cash reserves of their own funds. Then the rest can be gift money.
Action Steps
📌 Run a rent analysis on your target property
📌 Calculate PITIA – total of principal, interest, taxes, insurance, and HOA
📌 Apply with zero income verification
This type of loan may also be known as:
- DSCR loan
- DSCR mortgage
- DSCR loan program
Common search terms
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- rental property mortgage based on cash flow
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- no-doc investment property loan
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- how to qualify for investment property mortgage with LLC
- loan for investors with multiple properties
- mortgage with no W2 income for investors
- non-QM investor loan
- loan for real estate investors based on property income
Invest Smarter with a DSCR Loan
Whether you’re buying your first investment property or expanding your rental portfolio, a DSCR loan gives you the flexibility to qualify using the income that matters: your rental cash flow.
Contact us today to calculate your DSCR and take the next step toward building real estate wealth: Schedule A Call. Or begin your pre-approval process for this loan option.