Real Estate Investor Loan Brokers

DSCR Loans: No Tax Returns Required

Qualify purely on your property's cash flow rather than personal income or tax returns. Secure acquisition or refinance capital with streamlined closings and direct access to institutional capital sources.

Free DSCR Estimate

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Estimate only, for informational purposes. DSCR is approximated from the figures you entered using standard assumptions for interest, taxes and insurance; actual results depend on the final loan terms and property details. Business-purpose investment property loans only. Not a commitment to lend. All loans subject to underwriting and approval.

Qualified Borrower Profiles

Who This Financing Works For

Our DSCR financing is structured around property cash flow rather than personal tax returns, creating an ideal lending vehicle for a wide spectrum of real estate operators.

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Single-Family Rental Investors Acquire or refinance long-term single-family residential assets without personal debt-to-income restrictions or tax return disclosures.

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LLC & Corporate Entities Close directly under LLCs, partnerships, or corporate entity names for maximum liability shielding and seamless asset protection.

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Cash-Out Refinance Seekers Unlock trapped property equity to fund acquisitions, renovate current holdings, or reinvest across your core portfolio.

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Multi-Property Portfolio Builders Expand without Fannie/Freddie 10-mortgage limits—fund multiple doors simultaneously as long as each asset meets DSCR threshold metrics.

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Small Apartment & Multifamily (2-8 Units) Buyers Scale into multi-door residential properties up to 8 units with a consolidated underwriting process focused entirely on aggregate monthly rents.

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Short-Term & Vacation Rentals Qualify AirDNA or historical Airbnb/VRBO gross revenue figures into recognized cash flow to finance premium short-term coastal destinations.

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Self-Employed Real Estate Investors Bypass traditional write-offs, W-2 income verification hurdles, and extensive CPA audits through streamlined asset-based qualification.

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1031 Exchange Timelines Execute strict 45-day identification and 180-day closing deadlines with expedited underwriting and reliable capital execution.

Tactical Lending Advantages

Simple Programs That Actually Close

Institutional capital sources, matched to your property. Underwriting engineered around asset performance, with no tax returns, no personal income verification, and no bureaucratic delays.

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Frictionless Qualification

Underwriting is evaluated entirely on subject property lease income. Zero personal debt-to-income calculations, tax transcript requests, or W-2 requirements.

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Up to 85% Leverage

Maximize capital velocity with purchase financing up to 85% LTV and rate-term/cash-out refinances up to 80% LTV on stabilized residential properties.

$100K to $6M Loan Range

From single-family STR acquisitions to multi-million luxury vacation properties and multi-unit complexes, we scale with your expansion plans.

Sub-1.0 DSCR Options

Opportunity-driven capital for value-add assets with below-market rents or short-term vacancy. We finance properties that conventional lenders pass on.

Direct Entity Closing

Close directly in the name of your LLC, LP, S-Corp, or revocable trust. Protect your personal liability and streamline your asset management architecture.

Short-Term Rentals (STR)

Underwrite Airbnb and VRBO properties using projected AirDNA projections or trailing 12-month platform revenue to unlock higher purchasing capacity.

Simple Process

4 Steps to Get Your Loan Funded

Experience an expedited capital pathway engineered specifically for active real estate investors. No tax return delays or W-2 bureaucracy: just streamlined liquidity based directly on asset performance.

Quick Pre-Qualification

Submit basic property details and estimated rental revenue through our digital portal. Receive an initial pre-qualification result in minutes without submitting personal tax forms.

Initial Loan Approval

We review the property's rental income, match it to the right institutional program, and issue a term sheet, typically within 24–48 hours.

Appraisal & Underwriting

We order the appraisal, collect your entity and property documents, and clear final conditions so closing stays on schedule.

Fast Close

We fund in as few as 14 days, whether purchase, rate-and-term or cash-out refinance.

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Common Questions

Frequently Asked Questions

We have eliminated traditional underwriting friction. Here is straightforward clarity on how we qualify investment properties, structure entity closings, and calculate coverage without tax returns.

Debt Service Coverage Ratio (DSCR) evaluates an investment property based on rental cash flow rather than personal tax returns or W-2 income. The ratio is calculated by dividing gross monthly rent by monthly PITIA (Principal, Interest, Taxes, Insurance, and HOA dues). A ratio of 1.0x indicates break-even cash flow, while ratios of 1.25x or higher qualify for our most competitive tier rates.

We offer DSCR financing starting at a 620 mid-FICO score, with premier leverage and interest rates unlocked at 680 and above. We evaluate mid-score credit models and do not disqualify investors for isolated non-mortgage credit events if housing payment history is clean.

Yes. More than 90% of our real estate investors close in the name of an LLC, LP, S-Corporation, or revocable trust to ensure asset protection. Entity vesting carries no pricing penalty, and we allow multiple managing members on title without redundant individual documentation.

Yes. We finance both existing and newly acquired short-term rentals using projected AirDNA market revenue reports, 12-month historical booking records, or standard 1007 appraisal schedules. You can scale vacation rental acquisitions without two years of prior operating history.

Yes. We offer specialized No-Ratio and Sub-1.0 DSCR programs for properties undergoing strategic stabilization, lease-up transitions, or high-appreciation coastal acquisitions.

Never. Zero tax returns, W-2s, pay stubs, debt-to-income (DTI) calculations, or employer verifications are required. Qualification is 100% asset-based, focused strictly on the subject property's cash flow and verified closing funds.

We offer cash-out refinancing based on appraised market value after only 90 days of ownership for properties with documented capital improvements. For standard buy-and-hold investments without major renovations, full market value seasoning is recognized at 6 months.

Yes. While seasoned portfolio owners access maximum leverage up to 85% LTV, first-time real estate investors can qualify for up to 75% LTV on purchases with 6 months of verified PITIA reserves and standard closing documentation.

We offer DSCR loans from $100,000 up to $6,000,000. The right loan amount depends on the property value and rental income. We fund first mortgages, second trust deeds, and portfolios.

Many of our lender partners can fund in as little as 14 days on a clean, well-documented file. Timing depends on the property, the appraisal, and how quickly your documents come in. You can complete everything online from your computer, with no branch visits and no fax machines.

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