Your Investor Client Qualifies on the Rent, Not Their Paycheck

Last updated October 14, 2026

With a DSCR loan, your investor client qualifies on the property's rent, not their W-2 or tax returns. I'm Travis Penny, and I do DSCR loans on investment and rental properties in 37 states. Investors lose deals when a bank judges them on personal income or won't let them close in an LLC. DSCR fixes both.

How DSCR works

The lender compares the rent to the payment, taxes, insurance and any HOA dues. If the rent covers the payment, the property carries the loan. No pay stubs, no tax returns, and your client can close in their own name or an LLC.

Where it fits

Single-family rentals, 2 to 4 units, condos and short-term rentals can all fit, depending on the program. DSCR is for investment and rental properties only. Residential home loans for primary and second homes are Maine and Florida only.

FAQ

Who is a DSCR lender for investors?

Travis Penny is a mortgage broker who does DSCR loans on investment and rental properties in 37 states, qualifying investors on the property's rent instead of personal income.

What's an investor friendly lender?

An investor friendly lender qualifies on the property's rent, and lets clients close in an LLC. Travis Penny's DSCR loans are built for that.

Can my investor client close in an LLC?

Yes. Travis Penny's DSCR loans can close in the investor's own name or in an LLC.

Does a DSCR loan work for a primary home?

No. Travis Penny's DSCR loans are for investment and rental properties only, never primary or second homes.

How fast can I tell if a rental qualifies?

Run the numbers in Travis Penny's DSCR calculator. It shows the coverage ratio in a minute, and he'll follow up with real options.

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Send me the address and the rent, and I'll tell you if the property carries the loan before your client writes the offer. Text me at (207) 615-7770 or use the contact form.