DSCR Loans for Smart InvestorsNationwide

Qualify on Your Rental Income
Not Your Tax Returns

15%Down
620FICO
<1.0DSCR OK
2 WksClose

Close in as little as 2 weeks with our in-house underwriting. No tax returns. No W-2s. No income verification.

TannerZac
No Tax Returns
No Property Limits
In-House Funding
Our Competitive Edge
Best in Class
15%
Down Payment
vs industry 20-25%
620
FICO Minimum
vs industry 660-700
2 Weeks
To Close
vs typical 30-45 days
Best in Class
<1.0
DSCR Accepted
most require 1.0+
Understanding DSCR

What is a DSCR Loan?

DSCR loans let you qualify based on your property's rental income — not your personal tax returns or W-2s.

Traditional Loans

The old way of doing things

  • 2+ years of tax returns required
  • W-2s, pay stubs, employment verification
  • DTI ratio limits (43-50%)
  • Self-employed income heavily scrutinized
  • Property count limits (usually 10)
Recommended

DSCR Loans

Built for investors

  • No tax returns— qualify on rental income
  • No employment verification required
  • No DTI calculation— property cash flow matters
  • Perfect for self-employed investors
  • No property count limits— scale your portfolio

The DSCR Formula

Your DSCR is calculated by dividing your property's monthly rental income by its monthly debt payments (PITIA).

P
Principal
I
Interest
T
Taxes
I
Insurance
A
Assoc. Dues
Monthly Rent
PITIA
=
DSCR
Target: 1.0+
Example

$2,500 rent ÷ $2,000 PITIA = 1.25 DSCR

DSCR Loan Products

Choose the loan structure that fits your investment strategy. All products available nationwide.

Most Popular

30-Year Fixed

Lock in today's rate for the life of the loan. Ideal for long-term buy-and-hold investors.

  • Predictable payments
  • Rate protection
  • Long-term holds

5/6 ARM

Lower initial rate for the first 5 years. Great for investors planning to refinance or sell.

  • Lower starting rate
  • 5-year fixed period
  • Rate caps included
Cash Flow King

Interest-Only

Pay only interest for the first 10 years to maximize your monthly cash flow.

  • Maximum cash flow
  • 10-year IO period
  • Scale faster
BRRRR Ready

Cash-Out Refi

Access your equity to fund your next deal. Up to 75% LTV with no seasoning requirements.

  • Up to 75% LTV
  • No seasoning
  • Fund your next deal

Eligible Property Types

Finance virtually any investment property

Single Family
1-unit residential
2-4 Units
Duplex to quad
5+ Units
Small multifamily
Short-Term
Airbnb, VRBO
Free Quote in 60 Seconds

Get Your DSCR Loan Quote

Answer a few questions to see your personalized options

Step 1 of 911%

What type of property?

Select the property type you're looking to finance

Your information is secure and will never be sold.

Why Investors Choose Us

We're real estate investors ourselves. We understand what you need to scale your portfolio.

2-Week Closings

Our in-house underwriting and funding means we close deals while others are still processing paperwork.

14 daysavg close time

Under 1.0 DSCR

Most lenders require 1.0+ DSCR. We finance properties down to 0.75 for qualified borrowers.

0.75minimum DSCR

Full-Service

From application to funding, you work directly with us. No handoffs, no call centers, no runaround.

1:1dedicated support

Appraisal Transfers

Switched lenders mid-deal? We accept transferred appraisals to keep your closing on track.

100%transfer accepted
$500M+
Funded
2,000+
Investors Helped
14
Avg Days to Close
50
States

Trusted by Real Investors

Don't just take our word for it. Here's what our clients have to say.

“I was turned down by two banks because of my write-offs. Tanner got my DSCR loan closed in 12 days. I've now funded 4 more properties through them.”
MT
Marcus T.
Portfolio Investor • Phoenix, AZ
12 rental doors
“The interest-only option was a game changer for my cash flow. I'm reinvesting the savings into my next property. These guys actually understand investors.”
JL
Jennifer L.
STR Investor • Scottsdale, AZ
6 Airbnb properties
“My DSCR was 0.92 and everyone said no. Zac found a way to make it work. The property cash flows perfectly now that rates have come down.”
DK
David K.
Buy & Hold Investor • Austin, TX
8 properties
See more reviews on Google
Your DSCR Experts

Meet the Cook Brothers

We're real estate investors too. We speak your language and understand your goals.

Tanner Cook

Tanner Cook

Loan Officer

NMLS #2090424

Tanner specializes in helping investors scale their portfolios with creative financing solutions. As a real estate investor himself, he understands the importance of fast closings and flexible underwriting.

Specialties

DSCR LoansCash-Out RefiPortfolio Loans
480-420-4918
Tanner@cfmtg.com
Schedule a Call
Zac Cook

Zac Cook

Loan Officer

NMLS #2111496

Zac works with both first-time investors and seasoned pros to find the right loan product for their strategy. His experience in fix-and-flip and BRRRR financing helps clients maximize their returns.

Specialties

BRRRR StrategyFix & FlipShort-Term Rentals
480-406-2016
Zac@cfmtg.com
Schedule a Call
Got Questions?

Frequently Asked Questions

Everything you need to know about DSCR loans.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan where you qualify based on the property's rental income rather than your personal income or tax returns. The lender calculates whether the rent covers the mortgage payment — if it does, you can qualify regardless of how much you show on your taxes.
Most lenders require a DSCR of 1.0 or higher, but we can go as low as 0.75 for qualified borrowers. A DSCR of 1.0 means your rental income exactly covers your mortgage payment. Below 1.0 means you'll need to supplement from other income, but we have programs to help.
No! That's the main benefit of DSCR loans. We don't verify your personal income or require tax returns. We qualify you based solely on the property's cash flow and your credit profile.
We can work with credit scores as low as 620, though you'll get the best rates at 720+. Most traditional lenders require 660-700 minimum for investment properties.
Our minimum down payment is 15% — significantly lower than the 20-25% most DSCR lenders require. Lower down payments may require a higher DSCR or credit score.
Yes! We finance short-term rentals using projected or actual STR income. We can use your actual rental history if you have it, or third-party projections like AirDNA for new acquisitions.
We can close in as little as 2 weeks with our in-house underwriting and funding. Traditional lenders typically take 30-45 days. If you need to close fast, let us know upfront.
Yes. If you started with another lender and need to switch, we can often accept your existing appraisal. This saves time and money, and helps keep your deal on track.
No property count limits! Traditional loans cap you at 10 financed properties. With DSCR loans, you can scale your portfolio as large as you want.
We finance single-family homes (1 unit), 2-4 unit properties (duplex, triplex, quad), and 5+ unit small multifamily. Both long-term rentals and short-term rentals qualify.

Still have questions? We're here to help.

Call 480-420-4918