Real Estate Investors: Pre-Qualify for a DSCR Loan
Building Wealth With Real Estate Investing Starts Here! Scale Smarter with DSCR Loans — No Income Docs Required!
It’s built for active real estate investors ready to close fast, refi, or scale up.
Best Investor Rates
Get pre-approved in 24 hours
660 Min FICO
Loans up to $100M
No lease in place? No problem
No Income Docs
Top DSCR Lender For Real Estate Investors
Whata Mortgage | NMLS #2548096
Top Rated Private Mortgage Lender
DSCR Purchase and Cash Out Options
Short/Long Term Rentals & Fix and Flips
We Offer Rates From 100+ Lenders
Same Day Approvals & Streamlined Fundings
No Tax Returns Required!
Eligible Investment Property Types
DSCR loans can be used to finance a wide variety of investment properties, giving you flexibility in your real estate investment strategy.
Single-Family Homes
Townhomes
Condominiums & Condotels
2-4 Unit Properties
Multifamily
(5-8 Units)
Mixed Use Properties
DSCR Loan Benefits
If you’re actively buying or refinancing investment properties, this is for you.
40 & 30 Year Fixed Options
Up To 85% LTV On Purchase
No Tax Returns or Income Docs
Fast, Easy Closings
10-Year Interest-Only Available
Up To 80% On Cash-Out
Loans Up To $100M
Experienced DSCR Advisors
Book Your DSCR Consultation
WHAT a Mortgage! The team was professional and patient. I got denied by another lender due to having high deduction on my income being a business owner. WhataMortgage swoop in with 10 days left on the contract and closed the loan on time. Timely, precise communication, quality service are the exact words to describe the team here
Outstanding Loan Officer – Highly Recommend! I recently had the pleasure of working with THANH when applying for an investment loan, and I couldn’t be more impressed with their professionalism, expertise, and exceptional customer service. From the moment we first connected, they made the entire process clear, simple, and stress-free.
When you’re buying a home you want to be sure you have a team on your side that will push through the inevitable issues as they come up. Without Thanh and his team I don’t believe we would have closed within 16 days from going under contract. Can’t say this will be the same experience for everyone but what I can say is this team will fight to make sure you’re getting the best rate and closing as fast as possible.
DSCR Loans Frequently Asked Questions
What is a DSCR Loan and How Does it Work?
A DSCR (Debt Service Coverage Ratio) loan is a revolutionary financing solution for real estate investors that qualifies borrowers based on the property's cash flow rather than personal income. This means you can expand your investment portfolio without being limited by your W-2 income, making it perfect for self-employed investors, retirees, or anyone looking to scale their real estate business. The DSCR is calculated by dividing the property's monthly rental income by its monthly debt service (mortgage payment, taxes, insurance). A DSCR of 1.0 means the property breaks even, while anything above 1.0 indicates positive cash flow.
What's the max LTV you can lend on for a DSCR property?
We offer up to 85% LTV on purchases. We also have creative financing strategies, including our own supercharged BRRRR method, that can allow for 100% financing on purchases that meet After Repair Value (ARV) requirements. Contact us to learn more about how you can acquire more properties with less money down.
What Credit Score Do I Need for a DSCR Loan?
660 Minimum credit score is required, but as your score goes up, the rates get better. Higher credit scores (700+) will qualify for our best rates and terms. We work with investors across the credit spectrum to find the right financing solution.
What Types of Investment Properties Can I Finance?
We finance a wide variety of investment properties, including Single-Family homes, Townhomes, Condominiums & Condotels, 2-4 Unit properties, and Multifamily properties (5-8 Units). Both residential and mixed-use properties are eligible for DSCR financing.
What Documents Do I Need for a DSCR Loan?
We offer flexible documentation options: No-doc programs, lite-doc programs, or traditional 2-year personal and business tax returns. The beauty of DSCR loans is that you don't need extensive income documentation to qualify. We can also work with stated income programs for qualified borrowers.
What is the Minimum DSCR Ratio Required?
We can go as low as 0.8 DSCR on purchases. A DSCR of 1.0 means the property's rental income covers the debt service. Ratios above 1.25 typically qualify for our best rates and terms.
What Are the Loan Amount Limits?
Minimum loan amount is $200,000. There is no maximum loan amount - the sky's the limit! We work with investors on everything from single-family rentals to large multifamily acquisitions.
How is Rental Income Calculated for DSCR Loans?
Rental income is determined using market rent analysis, existing lease agreements, or appraisal rent schedules. We typically use 75% of the gross rental income to account for vacancy and maintenance costs when calculating the DSCR ratio.
What Are the Interest Rates and Terms?
DSCR loan rates are typically 0.5% to 1.5% higher than conventional mortgages due to the investment property nature. We offer 30-year fixed rates, adjustable rates, and interest-only options. Rates vary based on credit score, DSCR ratio, loan-to-value, and property type.
NMLS: 1858688 | Company NMLS: 2548096
14603 Huebner Rd Bldg 11 San Antonio TX 78230
(855) 562-6761 | [email protected]
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