For real estate investors
DSCR Financing

Buy investment property without W-2s, tax returns, or income docs.

DSCR loans qualify the property — not you. If the rent covers the payment, you can close. Self-employed, write-offs, multiple LLCs, complicated returns? Doesn't matter. We close DSCR loans fast.

Get a Quote How DSCR Works
Pre-qualify in under 5 minutes.
No W-2
Income Docs
No Tax
Returns Needed
LLC OK
Close in Entity
1-10
Units
DSCR is for you if

The bank said no. We say bring the deal.

You're self-employed with great cash flow but heavy write-offs killing your DTI.
You already own multiple investment properties and conventional lenders are tapped.
You want to buy in an LLC for liability and tax reasons.
Your conventional approval came in 60% of what you actually need.
You need to close in 21 days, not 60.
How DSCR works

Underwrite the property, not the borrower.

DSCR = Debt Service Coverage Ratio. The math is simple: monthly rent ÷ monthly PITIA. If it's above 1.0, the property pays for itself. If it's above 1.2, most lenders will compete for the loan.

1️⃣

Property qualifies

Lease in place or market rent appraisal. Single-family, 2-4 units, 5+ units, even short-term rentals.

2️⃣

You bring credit + reserves

660+ FICO. 2-6 months reserves. 20-25% down. No income docs. No DTI calculation.

3️⃣

Close in 21 days

Title, appraisal, insurance — same as any loan. Just faster because we're not chasing tax returns.

Programs we close

Beyond DSCR.

DSCR

1-10 unit residential investment. No income docs. Purchase & refi.

Bank Statement

12-24 month bank statements in place of W-2s. For self-employed primary buyers.

Non-QM

Asset-based, ITIN, 1099-only, foreign national. Hard cases welcome.

Bridge / Hard Money

Short-term capital for flips and BRRRR projects. Close in 7-10 days.

Conventional

Standard Fannie/Freddie. We have these if your file is clean enough.

Commercial / 5+ units

Apartment buildings, mixed-use, small commercial.

Built for investors

The deal-analysis tools come free.

Every investor client gets access to the Investment Analyzer inside The Closing Blueprint — model your deals before you write the offer.

Buy & Hold

Cap rate, cash-on-cash, DSCR, GRM, monthly cashflow, all-in cash.

BRRRR

All-in cost, refi loan, cash left in (or infinite-return), monthly cashflow.

Flip

Total carry, net sale, profit, margin, annualized ROI.

FAQ

What investors ask.

What's the minimum down payment?

Most DSCR programs start at 20% down for purchase, 25% for cash-out refi. Lower if your DSCR ratio is strong and FICO is 740+.

Do you lend in my state?

We close DSCR loans in 47 states. Send the deal — we'll tell you yes or no in 24 hours.

How fast can you close?

Average DSCR close is 21 days. We've done 14-day closes when the title and appraisal cooperate.

What credit score do I need?

660 minimum on most programs. 700+ gets the best pricing. Below 660 — we have Non-QM options, just expect different terms.

I'm a Realtor with an investor client. Do you have a referral program?

Yes — every DSCR closing you refer earns you 12 months free of The Closing Blueprint OS, instantly. Plus: referrals who become paying users and stay 12 months also earn you the reward. See the partner program.

Can I close in my LLC?

Yes. DSCR loans are designed for entity closings. We'll need standard LLC docs (articles, operating agreement, certificate of good standing).

Get a DSCR quote.

Send us the property and your basics. We'll send back a real quote — not a rate range — within 24 hours.

Email Us the Deal Book a Call
No SSN. No tax returns. Just the deal.