NO DTI REQUIRED
Fund Based On Cash Flow,
Not Income
Scale your rental portfolio faster with loans based strictly on property revenue. No tax returns or personal income verification required.
Takes 2 minutes · No credit impact
SIMPLE QUALIFICATION
The DSCR Advantage
1. Evaluate property cash flow
We analyze the rental income potential of your property to ensure it meets our DSCR threshold, entirely independent of your personal income.
2. Bypass personal DTI checks
Skip the rigorous personal income verification. Your loan qualification is based strictly on the property's ability to cover its debt obligations.
3. Scale your portfolio
With no personal Debt-to-Income limitations, you can acquire multiple properties faster and build your real estate empire without friction.
FAST QUALIFICATION
See What You Qualify For
Enter basic property metrics below to generate a preliminary DSCR quote without affecting your credit score.
Your data is secured. No hard credit pull required to view initial rates.
SUCCESS STORIES
Investors Who Scaled Fast
Closed in 14 days without a single tax return. The doc-light process allowed me to secure my next duplex while my competitors were still gathering paperwork.
DSCR Capital understood the assignment. Cash flow was the only metric that mattered. Funded three rental properties simultaneously when traditional banks said no.
Speed is everything in this market. The streamlined underwriting meant I didn't lose my earnest money. Truly a partner for investors who want to scale fast.
FINANCING CLARITY
Clear Answers For Investors
What is the minimum credit score required?
We typically require a minimum credit score of 660, though slightly lower scores may be considered with stronger property cash flow and reserves.
What property types are eligible for funding?
We finance 1-4 unit residential properties, townhomes, and warrantable condos. Short-term rentals (like Airbnb) and long-term rentals are both fully eligible.
Can I close the loan in an LLC or corporate entity?
Yes, vesting in an LLC, corporation, or partnership is completely permitted and actually encouraged for our DSCR loan programs.
Do you offer rate locks during the process?
Absolutely. We offer standard rate lock options to protect your financing terms while your loan is moving through the underwriting and appraisal stages.
Do you verify my personal income or DTI?
No. Our DSCR loans are entirely based on the property's cash flow. We do not require personal tax returns, W-2s, or calculate your debt-to-income (DTI) ratio.
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