DSCR Investment Property Loans — No Income Docs Required
Qualify based on rental income, not personal tax returns. Get started in 3 quick steps.
Perfect for: Self-Employed · Landlords · Prospective Landlords · Business Owners
Fully online · 14-day closing · No tax returns
Why Choose DSCR Loans?
Investment property financing designed for real estate investors
Key Benefits
- No income documentation required
- Qualify based on property rental income
- Fast approval and closing process
- Competitive interest rates
Who Qualifies?
- Self-employed professionals
- Current landlords
- Prospective property investors
- Business owners
DSCR Loan Terms
Competitive rates and flexible terms designed for real estate investors
Loan-to-Value
Up to 85% LTV on purchase
Up to 80% LTV on refinance
Minimum Loan
$100,000 minimum loan amount
Credit Score
640 minimum FICO score
Interest Rates
Rates as low as 5.99%
LLC Closing
Close in LLC for asset protection
Fast Funding
Funded in 14 days
3 Simple Steps to Get Funded
Your journey to success starts here
Quick Application
30-second online application - no paperwork needed
Fast Approval
Get approved in as little as 14 days
Get Funded
Close your deal and grow your portfolio
Join Thousands of Successful Investors
See why investors trust LoanGuys to fund their real estate investments
This was a great experience
This was a great experience Very great Company, I worked with Gisele and she did a awesome job, a true professional and great at what she does. it was one of the best experiences I've had in business so far. Also want to say thank you to Irma, the best processor i have ever worked with, loanguys will do everything in there power to make sure you're taking care of. Looking forward to a bright future with them also
Adriana Hernandez at LoanGuys.com is amazing!
Adriana Hernandez at LoanGuys.com is amazing! She went above and beyond to help me close my DSCR loan. These types of loans aren't easy, but Adriana was thorough, professional, and always answered the phone when I had questions. She and her team found creative ways to make the numbers work and got the deal done. I'd highly recommend her to anyone looking for a lender who truly knows their stuff and delivers results.
Henry Vicente and Leila Nouri @ Loanguys.com
Henry Vicente and Leila Nouri were professional, courteous and a fabulous team in making sure we could refinance our super high interest loan. We had patience and trust in Henry and Leila's guidance to gather all of our documents necessary to close. Henry and Leila's direction throughout our timeline was critical. We were able to get a better fixed rate 30 year loan. Thank you Henry and Leila for helping us achieve our goal! Many thanks to Loanguys.com for your unwavering commitment to making this happen for us!
Frequently Asked Questions
A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal income. This makes it perfect for self-employed individuals, landlords, and business owners who may not have traditional W2 income documentation.
No! DSCR loans don't require income documentation like tax returns or W2s. Qualification is based on the property's rental income potential, making the process much simpler and faster.
The streamlined process means your loan can be approved and funded in as little as 14 days. The online application process makes it even faster - you can complete everything from your computer.
DSCR loan programs typically require a FICO score of 640 or higher. However, we work with a variety of credit profiles and can discuss options that work for your situation.
DSCR loan programs start at $100,000 and go up to several million dollars. The exact amount depends on the property value and rental income potential.
Yes! DSCR loans are available for both purchasing new investment properties and refinancing existing ones. Whether you're expanding your portfolio or looking to pull equity from current properties, we can help.
For a typical DSCR loan purchasing an investment property, most programs require a 20% down payment. However, flexible options are available and we can discuss what works best for your situation.
DSCR loans are perfect for self-employed professionals, current landlords, prospective property investors, and business owners. If you're looking to purchase or refinance investment properties, you likely qualify.
Ready to Get Started?
Check your eligibility and get your investment property loan approved in as fast as 14 days
Fully online process · 14-day closing · Expert support available