DSCR and investor loans are sized by what the rental earns — if the rent can carry the payment, the deal can qualify. Buy, refinance, or pull cash out of your portfolio without W-2s, tax returns, or employment verification.
Ask in your own words. Our AI runs real numbers — no multi-step form, no waiting.
How DSCR works: monthly rent ÷ monthly payment. At 1.0, the property pays for itself — and the deal can stand on its own numbers instead of your personal income. See which states clear 1.0 on the median home →
Purchase price or value, expected rent, and your down payment or equity — ask the AI above or take the 2-minute form. No credit pull to check options.
We compare DSCR and investor programs from licensed lending sources nationwide and match you with personalized offers.
Compare your offers and choose — no obligation. LLC vesting welcome, and most investor loans close in 3–4 weeks.
Answer a few quick questions — takes about 2 minutes.
A DSCR (debt-service coverage ratio) loan qualifies on the property's rental income instead of your personal income. DSCR = monthly rent ÷ monthly payment (principal, interest, taxes, insurance). At 1.0 the rent covers the payment; many programs go as low as 0.75 or price better above 1.25.
Yes — that's the point of DSCR lending. No tax returns, W-2s, or employment verification. Underwriting looks at the property's rent (actual or market), your credit score, and your down payment or equity.
Yes. Most DSCR programs allow — and investors usually prefer — vesting title in an LLC or corporation. The loan typically won't appear on your personal credit report either.
DSCR programs generally have no cap on the number of financed properties, unlike conventional loans which stop at ten. That makes them the standard tool for scaling a rental portfolio.
Most DSCR purchases start at 20% down (80% LTV), with the strongest pricing at 25%+ down. Cash-out refinances typically go to 75% of the property's value.
Real numbers in 60 seconds — no credit pull, no commitment.
4Homes arranges financing through licensed lending sources nationwide. Estimates are not a loan commitment. Equal Housing Opportunity.