Investors financing larger projects can review our Commercial Loan Programs for fix & flip, bridge, SBA, and construction options.
A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors who want to qualify using rental income instead of personal income. This program is ideal for purchasing or refinancing rental properties, expanding your portfolio, or financing short‑term rentals such as Airbnb and VRBO.
Instead of reviewing tax returns, W‑2s, or pay stubs, lenders evaluate whether the property’s rental income can cover the mortgage payment.
Many lenders require a DSCR of at least 1.0 — but our programs offer flexible options that allow ratios below 1.0, depending on the overall strength of the loan.
This means:
This is a major advantage for investors who want to scale quickly or acquire value‑add properties.
If you're looking for additional ways to leverage your investment property’s equity, explore our Investor HELOC & Second Mortgage
Program Highlights
DSCR loans are ideal for:
If you’re focused on building long‑term wealth through real estate, DSCR loans offer the flexibility traditional mortgages don’t.
We specialize in investor financing nationwide. Our team helps you:
Whether you’re purchasing your first rental or expanding your portfolio, we provide the expertise investors need.
Looking for additional flexible loan programs? Visit our Portfolio Non‑QM Products page to explore Bank Statement Loans, Asset Qualifier Loans, Foreign National Loans, and more.
A DSCR loan allows real estate investors to qualify based on the property’s rental income rather than personal income. Lenders evaluate whether the property’s cash flow can cover the mortgage payment.
The formula is: DSCR = Gross Rental Income ÷ Monthly Mortgage Payment A DSCR of 1.0 means the property breaks even. Ratios above 1.0 indicate positive cash flow.
Yes. We offer programs that allow DSCR below 1.0, depending on the strength of the property, market, and overall loan profile. This is ideal for high‑appreciation markets or short‑term rentals with strong projected income.
No. DSCR loans do not require personal income documentation. There are no tax returns, W‑2s, pay stubs, or employment verification.
Yes. We offer DSCR programs for both long‑term and short‑term rentals. Lenders can use market rents or actual rental income to qualify.
Yes. DSCR loans allow closing in an LLC or personal name, giving investors flexibility for asset protection and portfolio structuring.
No. DSCR loans are designed for portfolio growth, and there is no limit on the number of financed properties.
Eligible properties include single‑family homes, condos, townhomes, 2–8 unit properties, and short‑term rentals.
Yes. We serve investors locally in MD, VA, and DC, as well as nationwide.
Many DSCR loans offer fast approvals with streamlined documentation. Investors can often close more quickly than with traditional financing.
⭐⭐⭐⭐⭐“I needed to close fast on a rental property to stay competitive, and ABC United Finance Corp delivered exactly what they promised. Their DSCR loan process was straightforward, required no personal income documents, and moved quicker than any lender I’ve worked with. Because of their speed and flexibility, I was able to secure the deal and immediately move on to my next investment. I’ve now added three more properties to my portfolio using their DSCR program, and each closing has been smooth and predictable.” — Evan L., Silver Spring, MD
