Qualify on the property, not your paycheck.
Pull cash out of the doors you already own to fund the next one, refinance out of hard money into a 30-year hold, or buy on the property's rent alone — all without tax returns, income docs, or a cap on doors.
Turn equity into your next down payment.
Most DSCR loans aren't purchases — they're refinances. Pull cash out of the doors you already own and put it back to work on the next one, or refinance out of expensive short-term debt into a stable 30-year hold.
Cash-out refinance
Most popularTap built-up equity — up to ~75% of value — and redeploy it straight into your next acquisition.
Rate & term refinance
Swap hard money or a bridge into a 30-year DSCR hold — up to ~80% LTV, no cash out, lighter seasoning.
The BRRRR exit
Stabilize, refinance, recycle — the financing engine behind buy → rehab → rent → refinance → repeat.
One loan that scales with your strategy.
Whether you're buying door number two or refinancing door fifty, DSCR financing is built around the deal — not your day job.
Long-term landlords
Finance the next rental on its own cash flow. If the rent covers the payment, you're in business — no DTI math, no underwriting your personal income.
Buy, rehab, refinance
Refi out of hard money or a bridge into a 30-year hold, pull your capital back out, and recycle it straight into the next project.
STR & Airbnb investors
Short-term rental income qualifies. Finance vacation rentals held in your LLC and put your nightly-rate performance to work.
Portfolio builders
5 doors, 25, 50 — keep going. Cash-out refis and portfolio structures designed to fund the next acquisition without slowing down.
Know your number before you ever call.
DSCR is simple math: the rent divided by the full monthly payment. Above 1.0 and the property carries itself.
Run the numbers
Drop the rent and payment into the DSCR calculator and see instantly whether the deal covers.
Send the scenario
One click sends your exact deal to us. We price it — cash-out, refi, or purchase — usually the same business day.
Close & scale
Fund in your LLC, take your capital, and go get the next one. No personal income docs along the way.
A lender that thinks like an investor.
No income docs
Business-purpose financing means no W-2s, no tax returns, no DTI — and none of the consumer-loan red tape.
Nationwide
We finance investment properties across the country — wherever the next deal is.
Scenario-based quotes
Send the real deal and get real numbers back fast — not a generic rate sheet.
Close in an LLC
Title the property in your entity and keep your portfolio structured the way you want it.
A panel of investor lenders
We shop your scenario across multiple capital sources to find the structure that fits the deal.
Speed that keeps deals alive
Streamlined, property-first underwriting means closings measured in days, not months.
One advisor, from scenario to close.
You won't bounce between a call center and a chatbot. You get one investor lender who speaks your language — cash flow, cap rate, the next door — structures the deal around your scenario, and lays out the rate, fees, and timeline up front. No surprises at the table.
See if your deal covers — in 60 seconds.
Enter the rent and the payment. Our DSCR calculator gives you the ratio, the monthly cash flow, and an instant read on whether it qualifies. Then send it over with one click.
Open the DSCR calculator →Backed by the real thing.
The short answers.
Do I need tax returns or proof of income?
Can I pull cash out of a property I already own?
How many properties can I finance?
Can I close in an LLC?
Do short-term rentals (Airbnb / VRBO) qualify?
What DSCR do I need to qualify?
What about credit and down payment?
Send us the deal. We'll price it.
Already know your numbers? Skip the calculator — tell us about the property and we'll come back with live pricing, usually the same business day.
No income docs needed · For business / investment purposes only.
Got it — we're on it.
We'll reach out with pricing for your scenario, usually the same business day.