DSCR Investor Loans
DSCR loans for investors in 38 states.
Forget tax returns and W2s. DSCR loans qualify based on the property's own rental income. If the math works, the deal works.
All loans subject to credit and underwriting approval. Not all applicants will qualify. Rates, terms, and program availability are subject to change without notice. This page is for general education and is not an offer to lend or a commitment to make a loan. Travis Penny, NMLS ID #1649161, is a mortgage loan originator with Vision Mortgage, LLC, NMLS #23007. Equal Housing Opportunity.
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.
38 states covered
If you invest across state lines, I'm probably already lending there.
Important: business purpose disclosure
DSCR loans on this page are business purpose loans, secured by non owner occupied 1 to 4 unit residential investment property. Funds may not be used for personal, family, or household purposes. Business purpose loans are not subject to certain consumer protection laws that apply to owner occupied mortgages, including the Truth in Lending Act and the Real Estate Settlement Procedures Act. Some states require the loan to be closed in the name of a limited liability company or corporation. State availability varies and is subject to change. We currently originate DSCR loans in 38 states. See our Licensing page for the current state list.
Run your numbers in 60 seconds
DSCR Calculator
Plug in the property and I'll tell you if it pencils, purchase or cash out refi.
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
We originate DSCR investor loans in 38 states through our nationwide lender network. State availability and entity vesting requirements vary. See our Licensing page for the current state list and confirm your scenario with us before applying.
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
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