Are you looking for a 30-Year DSCR Rental Property Loan or $50k–$500k in 0% Interest Working Capital?
Syndicated DSCR Loan
30-year hybrid term, modeled after elite Wall Street structures
No income docs. No tax returns.
Finance rentals with as little as 10% down
Build long-term, generational wealth through cash-flowing assets
Working Capital Funding
$50K–$500K in 0% interest business credit & flexible term loans
Perfect for down payments, rehabs, Airbnbs, or scaling operations
Fast approvals with minimal documentation
Designed specifically for real estate investors
Syndicated DSCR Loans
Finance investment properties without tax returns, W-2s, or income verification. Qualify based on property cash flow, not personal income.
Elite 30-Year Financing for Real Estate Investors.
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30-year fixed and hybrid ARM options
As low as 10% down payment
No limit on number of properties
Close in 21-30 days
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Contents
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a specialized investment property mortgage that qualifies borrowers based on the property's cash flow rather than personal income. Unlike traditional mortgages, DSCR loans don't require tax returns, W-2s, pay stubs, or employment verification.
Key Definition Box: DSCR Formula: DSCR = Net Operating Income (NOI) / Total Debt Service
Example:
Key Definition Box: DSCR Formula: DSCR = Net Operating Income (NOI) / Total Debt Service
Example:
- Monthly Rental Income: $3,000
- Monthly Expenses (taxes, insurance, HOA): -$500
- Net Operating Income: $2,500
- Monthly Loan Payment: $2,000
- DSCR = $2,500 / $2,000 = 1.25
A DSCR of 1.25 means the property generates 125% of the amount needed to cover the mortgage payment.
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Who are DSCR Loans For?
Self-employed real estate investors
Investors with multiple properties
High-income earners who write off significant expenses
Anyone who doesn't want to provide tax returns
Portfolio builders scaling beyond 10 properties
Why Choose Syndicated DSCR Loans?
Our syndicated DSCR structure is modeled after elite Wall Street financing. This institutional-grade approach provides superior terms and long-term wealth-building advantages over traditional DSCR loans.
30-Year Terms Available
Unlike most DSCR loans with 5-7 year balloon payments, our syndicated structure offers true 30-year fixed-rate options and hybrid ARMs for long-term portfolio stability.
Institutional Backing
Access Wall Street-caliber financing typically reserved for large commercial investors. Syndicated structure means better rates and more favorable terms.
Portfolio Protection
Build generational wealth with financing that matches your long-term investment horizon. No forced refinancing or balloon payment risks.
Scalability
No property limits. Finance your 1st property or your 50th with the same streamlined process and competitive terms.
Faster Closings
Syndicated structure means more efficient underwriting. Close in as little as 21 days versus 45-60+ days with traditional lenders.
Relationship Lending
Build a long-term partnership. As you grow, access better terms, higher loan amounts, and exclusive opportunities.
DSCR Loan Qualification Requirements
Qualifying for a DSCR loan is simpler than conventional financing. Here's what you need:
Credit Score
Minimum: 680+ (lower considered case-by-case)
Optimal: 720+ for best rates
Details:
Optimal: 720+ for best rates
Details:
No recent foreclosures
(3+ years)
(3+ years)
No recent bankruptcies
(2+ years)
(2+ years)
Acceptable credit history
Down Payment
Minimum: 10% (90% LTV)
Standard: 15-25% rates
Details:
Standard: 15-25% rates
Details:
Lower down payment = higher rate
Source of funds verification required
Gift funds may be acceptable
DSCR Ratio
Minimum: 1.0 (some lenders 1.25)
Preferred: 1.25+
Details:
Preferred: 1.25+
Details:
Property must cash flow
Based on market rent or
actual rent
Higher DSCR = better terms
DSCR Loan Terms & Features
Feature
Our DSCR Loans
Traditional Loans
Loan Amount
$100K - $5M+
$100K - $3M (varies)
Down Payment
10% - 25%
15% - 25% (investment)
Interest Rates
Competitive market rates
Slightly lower
Property Limit
Unlimited
10 properties max
Documentation
No tax returns or income docs
Full income documentation
Closing Time
21-30 days
30-45 days
Prepayment Penalty
None (most programs)
None
Property Types
SFR, 2-4 unit, condo, STR
SFR, 2-4 unit, condo
Reserves Required
6-12 months
2-6 months
DSCR Loans vs Conventional Investment
Property Loans
Understanding the key differences helps you choose the right financing for your situation.
Income Verification
DSCR Loans:
✓ No tax returns required
✓ No W-2s or pay stubs
✓ No employment verification
✓ Qualify on property cash flow only
✓ Perfect for self-employed investors
DSCR Loans:
✗ 2 years tax returns required
✗ W-2s and pay stubs required
✗ Employment verification
✗ Debt-to-income calculations
✗ Difficult for self-employed
Property Limits
DSCR Loans:
✓ No limit on number of properties
✓ Finance 10, 20, 50+ properties
✓ Same process for each property
✓ Scalability built-in
DSCR Loans:
✗ 0 financed properties maximum
✗ Hit wall at 10 properties
✗ Increasingly difficult after 4 properties
✗ Portfolio growth restricted
Approval Speed
DSCR Loans:
✓ Pre-qualified in 24 hours
✓ Close in 21-30 days
✓ Streamlined process
✓ Fewer conditions
DSCR Loans:
✓ Pre-qualified in 1-3 days
✗ Close in 30-45 days
✗ More extensive underwriting
✗ More documentation requests
Property Types Eligible for DSCR Loans
Single-Family Residences
The most common DSCR loan property type. Houses, detached homes, single-unit dwellings.
Easiest to qualify
Best loan terms available
Simplest cash flow analysis
Typical DSCR: 1.20 - 1.35
2-4 Unit Multi-Family
Duplexes, triplexes, and fourplexes. Multiple rental incomes increase cash flow and DSCR.
Higher loan amounts available
Multiple income streams
Good cash flow properties
Typical DSCR: 1.25 - 1.45
Condos & Townhomes
Attached housing including condominiums and townhomes in approved projects.
Must be warrantable
HOA review required
Lower maintenance costs
Typical DSCR: 1.15 - 1.30
DSCR Loan Application Process: Step-by-Step
Pre-Qualification (Day 1)
Complete our simple
pre-qualification form. We'll review your credit and provide preliminary approval within 24 hours.
What You Need:
Basic property information
Estimated property value
Desired loan amount
Credit score range
Property Analysis (Days 2-5)
We analyze the property's cash flow using rent comparables or your actual lease agreements.
What You Need:
Rent schedule review or market rent analysis
Property expense calculation
DSCR calculation
Loan terms presented
Document Submission (Days 6-10)
Submit required documentation for underwriting.
Documents Needed:
Purchase contract (if buying) or property info (if refinancing)
Bank statements (2-3 months)
Proof of reserves
Appraisal & Underwriting (Days 11-18)
Property appraisal ordered. Underwriting reviews file and issues conditions.
What Happens:
Appraisal scheduled and completed
Title work ordered
Final underwriting review
Conditional approval issued
Clear to Close (Days 19-21)
All conditions satisfied. Final approval granted.
What Happens:
Final conditions cleared
Closing documents prepared
Closing scheduled
Wire instructions sent
Closing (Days 21-30)
Sign closing documents and receive funding.
What Happens:
Sign documents (in- person or remote)
Funds disbursed
Property recorded
You receive keys!
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