The property qualifies, not your W-2
DSCR compares the market rent to the full housing payment. Cover it and the deal stands on its own, with no personal income documentation on standard files.
Close in your LLC
Vesting in an entity is normal here, not an exception. Asset protection strategy stays intact from day one.
DSCR lenders actually compete
Coverage tiers, prepay structures, and pricing differ meaningfully between DSCR lenders. We shop the same deal across several and show you the spread.
$0 lender fees
Investor loans attract junk fees like moths. Our lender fee line is zero: no origination, processing, or underwriting charges from us.
Portfolio-friendly
Financed-property counts that block conventional loans usually don't block DSCR. Growing a rental portfolio is the intended use, not an edge case.
Purchase or refinance
Buy the next door, refinance one you own, or pull equity to redeploy. Rate-and-term and cash-out structures both exist on DSCR.
How People Use It
Three ways this plays out.
Growing the portfolio
Financed-property counts that block conventional don't block DSCR. Buy the next door and keep building without hitting a wall.
Entity vesting from day one
Close in your LLC so asset protection is in place from the start, not patched in later. It's standard here, not an exception.
Cash out to redeploy
Pull equity from one rental to fund the next. Rate-and-term and cash-out structures both exist on DSCR, and we shop both.
Questions
DSCR loan questions, answered straight.
Debt service coverage ratio: the property's market rent divided by its full payment (principal, interest, taxes, insurance, association dues). At 1.0 the rent covers the payment. Many lenders want 1.0 or better, and sub-1.0 programs exist at adjusted pricing.