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Qualify based on rental income from the property. Perfect for the real estate investor who maximizes tax write-offs.
We move fast. Our investor loan team knows exactly what to ask for and what to ignore. You close in weeks, not months.
There's no limit on your personal debt. That means you can keep buying, refinancing, and growing your portfolio.
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Not with a DSCR program. While traditional lenders focus heavily on personal income verification, DSCR (Debt Service Coverage Ratio) loans are designed specifically for real estate investors. You qualify based on the rental income potential of the investment property, not your personal W-2s or tax returns. That makes the process much simpler for investors who want to grow a portfolio without the income-documentation circus. Programs start at a 620 credit score with 20 to 25 percent down, and your scenario gets priced across 100+ lenders.
Programs are available down to a 620 credit score. Pricing improves meaningfully at 680 and again above 720, so a 680+ score with 20 to 25 percent down puts you in the most competitive tier for investment property financing. The property's rental income carries more of the weight than your personal credit history.
Plan on a minimum of 20 percent down for purchases, with 20 to 25 percent being the standard range for investment property financing. For cash-out refinances, roughly 25 percent equity left in the property is the typical requirement. A larger down payment usually means stronger cash flow and sharper pricing, and many investors later use a cash-out refinance to recover the down payment for the next deal.
Faster than a traditional investment property loan, because there is no income documentation to verify. Income and credit approval typically happens the same day, and most files close in 15 to 25 days from application to funding. Since qualification is based on the property's rental income rather than your personal financials, the appraisal with a rent schedule is usually the longest step. That speed matters when you are making offers: sellers take a fast, reliable close seriously.
Absolutely. That is the whole point of a DSCR loan. Qualification is based on the debt service coverage ratio: whether the property's rental income covers the mortgage payment plus taxes and insurance. No tax returns, no pay stubs, no employment verification. That is perfect for investors with complex income situations, multiple LLCs, or those who simply want privacy in their financing. An appraisal or rent roll establishes the property's income potential, with most programs looking for a DSCR around 1.0 to 1.25 depending on the loan.