Grow Your Portfolio.
No Tax Returns Required.
Qualify based on the rental income the property generates — not your personal income. Perfect for investors, self-employed borrowers, and anyone building long-term wealth through real estate.
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Built for Real Estate Investors
Features designed around how real investors actually operate — not W-2 employees.
DSCR as Low as 0.75x
Properties that don't yet cover their full payment still qualify. Flexible ratios for transitional or value-add assets.
LLC & Entity Vesting
Hold properties in your LLC, LP, or S-Corp for asset protection and simplified accounting.
Up to $5,000,000
Finance high-value investment properties with loan amounts up to $5M across all eligible property types.
Foreign Nationals Welcome
Non-US citizens and foreign nationals can access DSCR financing. No US credit history required in some cases.
Interest-Only Options
Maximize cash flow with interest-only payment periods on 30-year and 40-year loan products.
No Seasoning on Payoff
Access your equity without waiting. No title seasoning requirement on market-value cash-out refinances.
Up to 10 Financed Properties
Scale your portfolio further. DSCR loans don't count toward conventional conforming property limits.
Min 620 FICO Score
Accessible credit requirements starting at 620, with better rates available as your score increases.
Edge Home Finance made investing in rental properties incredibly simple. No tax returns, no employment verification—just straightforward financing based on the property's income. I've closed three properties with them this year.
Every Strategy. One Lender.
From buy-and-hold rentals to Airbnb properties and fix-and-flip projects, we have a program built for your investment strategy.
DSCR Rental Loans
Long-term rental properties — single family, condos, 2–4 units. Qualify on the market rent, not your income. Min DSCR of 0.75x for purchase & rate/term refi.
Min DSCR 0.75xShort-Term Rentals (STR)
Airbnb, VRBO, and vacation rentals qualify using 12-month rental history or third-party STR income reports in lieu of traditional leases.
Airbnb / VRBO OKFix & Flip / Bridge
Fund your acquisition and renovation with up to 90% LTC. Up to 75% ARV. No experience required for experienced investors.
Up to 90% LTCCondotels & Non-Warrantable
Finance condotels and non-warrantable condos that conventional lenders won't touch. DSCR qualification applies.
Non-Warrantable OKMulti-Unit (5–8 Units)
Residential multi-family up to 8 units eligible under the DSCR program. Ideal for scaling your rental portfolio.
Up to 8 UnitsCash-Out Refinance
Pull equity from your existing portfolio to fund new acquisitions. Unlimited cash-out with no seasoning requirement on market-value refinances.
Unlimited Cash-OutFrom Application to Closing
A streamlined process designed for speed and certainty. No tax returns, no W-2s — just rental income and property value.
Submit Property Details
Share the property address, purchase price or value, and estimated rent. We'll run a quick pre-qualification.
Get Written Commitment
Receive a formal loan commitment letter within 24–48 hours. Lock your rate and move forward with confidence.
Property Appraisal
We order the appraisal and handle underwriting. You stay updated every step of the way.
Close & Fund
Sign docs, wire funds, and take ownership. Most deals close in 3 weeks or less.
Frequently Asked Questions
Everything you need to know about DSCR investor loans.
Learn More About DSCR Investing
Deep-dive guides on strategies, qualifications, and market insights — written by your loan officer.
The DSCR Rate War: How Lender Competition Is Driving Down Investor Loan Rates in 2026
The non-QM lending market has exploded with new entrants since 2020 — and investors are the direct beneficiaries. Here's the data behind the rate compression, what's driving it, and exactly how to take advantage.
How DSCR Loans Work — The Investor's Complete Guide for 2026
Debt Service Coverage Ratio loans let real estate investors qualify based on rental income, not personal tax returns. Here's everything you need to know about qualifying, rates, and strategy.
How to Use a Cash-Out Refinance to Fund Your Next Investment
If your investment properties have appreciated, you may be sitting on significant untapped equity. A cash-out refinance on a DSCR loan lets you pull that capital out — no seasoning, no tax returns.
Grow Your Portfolio Together
Portfolio Growth
Scale your investment portfolio with flexible financing options for multiple properties.
Dedicated Support
Work with experienced loan officers who specialize in investment property financing.
Fast Approvals
Get pre-qualified in 24 hours and close your loan in as little as 21 days.
Competitive Rates
Access wholesale pricing and competitive interest rates for qualified borrowers.
Flexible Terms
Choose from 30-year fixed, 15-year fixed, or adjustable-rate mortgage options.
No Income Verification
Qualify based on property cash flow, not personal income or tax returns.