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 hard to qualify for a DSCR loan as a real estate investor?
Not with us. Traditional lenders often make it a hassle for investors to qualify, especially if you're not using traditional W-2 income. DSCR loans work differently—we qualify you based on the cash flow of the property, not your personal income. If the property's rental income covers the monthly payment, you’re in the game. No tax returns, no employment verification, no explaining your business model. Just the property’s performance.
What credit score do I need to get approved?
Most of our investors come in with a credit score of 680 or higher, which unlocks more competitive rates and streamlined approvals. If you’re above 700, even better. We do have programs for investors as low as 620, but for the best terms, 680+ is the sweet spot. If you're close and want help bumping up your score quickly, we can guide you through that too.
How much do I need to put down?
Most DSCR loans require a minimum of 20–25% down or equity, especially for the best terms. This keeps the loan-to-value ratio favorable and lowers risk. For cash-out refis, the same LTV limits typically apply—you’ll need to leave 25–30% equity in the property after the refinance. We’ll help you structure your deal to get the most out of your capital.
How fast can I close?
We move quickly. Once we have your application and documents, we typically issue a formal pre-approval within 24 hours. Closing can happen in as little as 15–21 days, depending on the appraisal and title. If you already have the appraisal done or you’re buying from a fast-moving seller, we can often match your timeline. Investors choose us because we don’t drag our feet—and sellers love that.
Can I qualify if I don’t show much personal income?
Yes—this is the whole point of a DSCR loan. These loans are built for investors who reinvest their profits, write off expenses, or simply don’t show a ton of personal income on paper. We qualify you based on the property’s Debt Service Coverage Ratio (DSCR)—not your tax returns or pay stubs. As long as the rent covers the monthly payment (typically a DSCR of 1.0 or higher), you’re in good shape.
Do you lend on short-term rentals or multi-units?
Absolutely. We finance short-term rentals (Airbnb/VRBO), long-term rentals, and 1–4 unit residential investment properties. For STRs, we can often use market rent projections from AirDNA or an appraiser’s short-term rental analysis. For multi-units, we look at gross rental income across the property. Our programs are designed to be investor-friendly, whether you're scaling up or just starting out.
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.
