DSCR Rental Property Loans for Real Estate Investors
Why Choose Our DSCR Investor Loans?
No Tax Returns or W-2's Required
Qualify based on rental income from the property. Perfect for the real estate investor who maximize tax write-offs.
Fast, Streamlined Closings
We move fast. Our investor loan team knows exactly what to ask for and what to ignor. You close in days, not weeks.
Scale Without Hitting a Ceiling
There's no limit on your personal debt. That means you can keep buying, refinancing, and growing your portfolio.
Top DSCR Lender For Real Estate Investors
Barrett Financial Group | NMLS #239185
Top Rated Private Mortgage Lender
DSCR Purchase and Cash Out Options
Short / Long Term Rentals & Fix and Flips
We Offer Rates From 100+ Lenders
Same Day Approvals & Streamlined Fundings
No Tax Returns Required!
Frequently Asked Questions
Is it harder to get approved for a DSCR loan as a real estate investor?
Not with our specialized DSCR programs! While traditional lenders focus heavily on personal income verification, DSCR (Debt Service Coverage Ratio) loans are specifically designed for real estate investors like you. We qualify you based on the rental income potential of your investment property, not your personal W-2s or tax returns. This makes the process much simpler for investors who want to grow their portfolio without the hassle of income documentation. With a 680+ credit score and 20-25% down payment, you're already in our preferred investor tier for the most competitive terms.
What credit score do I need for a DSCR loan?
With your 680+ credit score, you're well-positioned for our competitive DSCR loan rates and terms. We offer our best pricing to investors with credit scores of 680 or higher, which unlocks premium financing options with favorable rates and flexible terms. This credit tier is ideal for serious real estate investors looking to scale their portfolios efficiently. If you're above 720, you'll qualify for our absolute lowest rates. Our DSCR programs are available down to 620 credit scores, but your 680+ score puts you in the optimal range for investment property financing.
What down payment is required for DSCR loans?
For qualified investors with 680+ credit scores, we offer DSCR loans with down payments starting at 20%, which aligns perfectly with your investment strategy. This down payment range is standard for investment property financing and helps ensure strong loan performance while preserving your capital for additional deals. With 25% equity in refinance scenarios, you can access competitive rates and terms. These requirements are designed specifically for real estate investors who understand that investment properties require higher down payments than primary residences, but the rental income qualification makes it worthwhile.
How long does the DSCR loan approval process take?
Our DSCR loan process is significantly faster than traditional investment property loans because we don't require extensive income documentation. We typically close DSCR loans in 7-21 days from application to funding. Since we're qualifying based on the property's rental income potential rather than your personal financial documents, the underwriting process is streamlined. We can often provide pre-approval within 48 hours once we have your credit report and basic property information. This speed gives you a competitive advantage when making offers on investment properties, and sellers appreciate our reputation for reliable, on-time closings.
Can I qualify for a DSCR loan without showing personal income?
Absolutely! That's the primary advantage of DSCR loans for real estate investors. We qualify you based on the debt service coverage ratio - essentially whether the property's rental income can cover the mortgage payment plus taxes and insurance. With your 680+ credit score and 20-25% down payment, we don't need to see your tax returns, pay stubs, or employment verification. This is perfect for investors with complex income situations, multiple LLCs, or those who want privacy in their financing. We simply need an appraisal or rent roll to determine the property's income potential and ensure it meets our minimum DSCR requirements (typically 1.0 to 1.25 depending on the loan program).
Licensing:
John Peisner | NMLS #239185 | dscrbrokers.com powered by Barrett Financial Group, L.L.C. | NMLS #181106 | 8485 W Sunset Rd Suite 202, Las Vegas, NV 89113| AZ 0904774 | CA 60DBO-46052 & 41DBO-148702 Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License | CT ML-181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment
| MN MN-MO-181106 | NV 5091 | NJ | NC B-203722 | OR | PA 92105 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | VA MC-7357 & MC-7357 | WI 181106BA & 181106BR | Equal Housing Opportunity | This is not a commitment to lend. All loans are subject to credit approval. | nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106 barrettfinancial.com |
Barrett Financial Group, L.L.C is a NMLS Licensed, independent mortgage company that provides mortgages for borrowers. Barrett Financial Group is not affiliated with any Govenment agency. All terms subject to credit approval and this is not a commitment to lend. Not all applicants will qualify.
