Unlock Your Freedom With DSCR Loans
No personal income verification—perfect for investors looking to grow their portfolio
Why This Program Works for
Investors?
No Income Or Debt Verification
Lets you scale faster.
Closes in 2-3 Weeks Usually
Time is money.
Minimal Paperwork Needed
Focuses on the deal…not the documents.
“I kept getting denied at different banks because my DTI was too high…I was buying my 5th property and I can’t believe I haven’t heard of this program till I met Ben - it’s SO much easier because I don’t have to jump through all the underwriting hoops. ”
-Mark C.
Who Is This Program Best For?
You're an investor working to buy more rental properties
You need financing without verifying personal income
(works for cash out refinances AND purchases)
You value flexibility and speed over traditional lending processes
Loan Qualifications
-
FICO down to 660
No mortgage lates on current properties
-
Gross monthly rental income must at least cover the PITI (Principal, Interest, Taxes Insurance) Payment
No ratio programs available if the rental income is not sufficient
Personal income is not verified - you could literally not have a job and be ok
-
20% down (1-4 units)
25%+ down (5+ units)
3 - 6 months reserves required depending on the deal
-
The following properties are allowed:
Single Family Homes
Condos
Townhomes
Short term rentals
Multifamily Properties (1-4)
Multiunits (5+ units)
Mixed- Use
Purchase
-
Going to 80% LTV on Purchase (min 700)
Going to 75% LTV on Purchase (min 660+)
Going to 75% LTV on R/T Transactions (min 660+)
-
Long-Term & Short-Term Rentals (Airbnb & Vrbo)
No LTV Restrictions on 2-4 units
40 Year Fully Amortized Term
Rural Properties - Allowed max 2 acres
Loan amounts to $3.5M
Min loan amount of $100k
Refinance
-
Going to 80% LTV on Purchase (min 700)
Going to 75% LTV on Purchase (min 660+)
Going to 75% LTV on R/T Transactions (min 660+)
Documents Checklist
(to start the underwriting process)
✔️ Lender Application Form
✔️ Credit Report
✔️ Driver’s License or Photo ID
✔️ Purchase contract (if applicable)
✔️ Business Purpose Submission form
✔️ LLC documents (if vesting in LLC)
