DSCR Investor Loans
DSCR loans for investors in 40+ states.
Forget tax returns and W2s. DSCR loans qualify based on the property's own rental income. If the math works, the deal works.
No personal income docs
Qualify on the property cash flow, not your tax returns.
LLC friendly
Close in your LLC. Stack your portfolio the way investors actually operate.
40+ states covered
If you invest across state lines, I'm probably already lending there.
How DSCR actually works
DSCR (Debt Service Coverage Ratio) compares the property's monthly rent to its full mortgage payment. A DSCR of 1.0 means the rent covers the payment. Higher is better. Most lenders look for somewhere around 1.0 or above, with pricing improving as the ratio grows.
Who DSCR is built for
Real estate investors building a portfolio. People with W2 income too high or too messy to qualify a traditional way. Folks who don't want their personal life underwritten every time they buy a rental. BRRRR investors. Short term rental operators. The list is long.
What I'll need
- The subject property address and basic info
- Estimated rent (lease, market rent, or short term projection)
- Your LLC docs if you're closing in an entity
- Credit and basic asset info
When the deal sounds more commercial
Bigger commercial deals or true private money scenarios are usually a better fit at my sister brand. Visit thecapitalgoat.com for those.
States I lend in
Alabama · Arizona · Arkansas · California · Colorado · Connecticut · Delaware · Florida · Georgia · Idaho · Illinois · Indiana · Iowa · Kansas · Kentucky · Louisiana · Maine · Maryland · Massachusetts · Michigan · Minnesota · Mississippi · Missouri · Nebraska · New Hampshire · New Jersey · New Mexico · New York · North Carolina · Ohio · Oklahoma · Oregon · Pennsylvania · Rhode Island · South Carolina · Tennessee · Texas · Virginia · Washington · West Virginia · Wisconsin · Wyoming
Quick checklist
- No tax returns or W2s
- LLC closings welcome
- Short and long term rental friendly
- Cash out refis available
- Portfolio loan options for multiple properties
Keep exploring
Want a real human to walk you through this?
I'll lay out your options in plain English. No pressure, no scripts.