Loan Program
DSCR Investor Loan
Qualified on Cash Flow, Not Personal Income
The property qualifies itself. DSCR loans evaluate the rental income potential of the investment property — your personal income, employment, or tax history is irrelevant.
Who It's For
Is this the right program for you?
- i.Real estate investors purchasing single-family or multi-family rental properties
- ii.Borrowers who want to keep personal income documentation out of the process
- iii.Investors building a portfolio who have exhausted conventional loan limits
- iv.Foreign nationals and high net worth individuals investing in Texas real estate
- v.Borrowers where the property's rental income covers or exceeds the mortgage payment
Requirements
| Credit Score | 640 minimum |
| Max LTV | Up to 80% |
| Down Payment | 20% minimum |
| Documentation | Lease agreement or market rent appraisal; no personal income docs |
| Property Types | Investment property only (1–4 units, short-term rental eligible) |
The Process
01
Application
Submit your basic information and program interest. No credit pull at this stage.
02
Review
Nick reviews your scenario and reaches out within one business day to discuss your path forward.
03
Close
Most non-QM loans close in 20–30 days. We coordinate with title, appraisal, and underwriting on your behalf.
Find out if you qualify
Take the 2-minute quiz or apply directly.