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No income verification. No tax returns. Qualify based on the rental income of your investment property. Available for investors in Texas and Arkansas.
A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies you based on the rental income the property generates — not your personal income. There are no tax returns, W-2s, or pay stubs required. The lender simply evaluates whether the property's rental income is sufficient to cover the mortgage payment. This makes DSCR loans the go-to financing option for real estate investors building portfolios in Texas and Arkansas.
DSCR loans qualify you based on the property's rental income — not your personal income, tax returns, or employment history.
Purchase and hold properties in your LLC, corporation, or trust for liability protection without affecting your personal credit.
No limit on the number of financed properties. Scale your portfolio without the conventional loan cap of 10 properties.
Airbnb and VRBO income can be used to qualify. We can use projected rental income from platforms or a market rent appraisal.
Without the need for personal income verification, DSCR loans often close faster than traditional investment property loans.
Find a rental property (or refinance one you own). Rosalyn will help you evaluate the deal and confirm DSCR eligibility.
We divide the property's monthly rental income by its monthly mortgage payment (PITIA). A ratio of 1.0+ means the property covers its own costs.
No tax returns, no pay stubs, no W-2s. We need the property appraisal, rent schedule or lease, and your entity documents if applicable.
Close on your investment property and start building wealth through rental income and appreciation.
Fill out the form and Rosalyn will help you evaluate your deal and get pre-qualified for a DSCR loan. Fast closings, no income docs needed. Available in English and Spanish.