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DSCR Loans     

DSCR Loans: Grow Your Portfolio Without Tax Returns

Unlock Wealth Through Cash-Flow Based Lending

At LoanHouse, we understand that for real estate investors, your personal income doesn't tell the whole story. That’s why we offer Debt Service Coverage Ratio (DSCR) Loans—a specialized financing solution that qualifies you based on the rental income of the property, not your personal debt-to-income ratio.

No tax returns. No pay stubs. Just smart investing.

Why Choose a DSCR Loan?

Traditional bank loans can be a hurdle for seasoned investors or those with complex tax situations. DSCR loans bypass the red tape.

  • Ease of Qualification: We look at the property’s ability to cover its own mortgage, not your personal W2 income.

  • Faster Closing: Without the need for extensive personal financial audits, we get you to the closing table faster.

  • Scalability: Because these loans don’t impact your personal DTI (Debt-to-Income), you can scale your portfolio without hitting traditional lending limits.

  • Investor-Friendly: Perfect for LLCs, partnerships, and individual investors alike.

Product Highlights & Requirements

Feature Details
Loan Amounts Up to $3M+
Minimum Credit Score Typically 620+
Property Types 1-4 Units, Condos, Townhomes, PUDs
Loan Purpose Purchase, Rate-Term Refinance, or Cash-Out Refinance
Minimum DSCR As low as 0.75 (though 1.0+ is preferred)
Down Payment Starting at 20% (**can go as low as 15% down when available**)

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DSCR Loan Programs: Fast Closing & No Tax Returns | Loanhse.com