Investor Loan
DSCR loans — qualify off the property, not your tax returns.
Built for investors growing a rental portfolio: 30-year terms, LLC closings, and underwriting that focuses on the deal's cash flow.
20%
Min down
0.75+
Min DSCR
Yes
LLC closings
30 yr
Term
Best fit for
- Buy-and-hold investors scaling beyond conforming limits
- Self-employed borrowers with strong properties but light returns
- BRRRR investors refinancing out of hard money
Worth knowing
- Rates run higher than conventional owner-occupied loans
- Prepayment penalties are common; we'll show you 0-, 3-, and 5-year structures
- Cash-out and short-term rental DSCR loans price differently
Questions we hear
- How is DSCR calculated?
- DSCR is the property's gross rent divided by its full PITIA (principal, interest, taxes, insurance, and HOA). Most lenders want a 1.0–1.25 minimum; some go as low as 0.75 with pricing adjustments.
- Do I need to show my tax returns?
- No. DSCR is built so the deal qualifies on its own merits. We'll still need credit, an asset statement, and the lease or market rent appraisal addendum.
- Can I close in an LLC?
- Yes — DSCR is one of the few loan types that closes cleanly in an LLC, which is how most investors hold rental property.