🚀 GET INSTANT QUOTE

Get Your DSCR Loan Quote

See your rate & terms with our 2 min quote form

Is this a purchase or refinance?
Minimum DSCR Loan Amount $150,000
(NO MOBILE HOMES OR MANUFACTURED PROPERTIES)

Where should we send your quote?

What's Your Phone Number?

No Income Verification Required

Close in 7 Days*

Up to 85% LTV

SSL Secured

No Hard Credit Pull for Quote

🔑 Key Benefits

  • No business or personal income or tax documents needed

  • Income is based on rental property cash flow

  • Available for Purchases & Refinances

  • Flexible qualification guidelines

  • Fast Closings - as little as 7 days once appraisal is in hand

  • Long & short term rentals qualify (Airbnb / VRBO)

  • No previous investor experience required

💡 Frequently Asked Questions

Get answers to the most common questions about DSCR loans

What is a DSCR loan?

A loan that qualifies borrowers based on property rental income rather than personal income

What DSCR ratio do I need to qualify?

Most lenders prefer 1.0 or higher, though some accept as low as 0.75

Do I need to provide tax returns or W-2s?

No! Qualification is based solely on the property's rental income potential

What types of properties qualify?

Single-family homes, 2–4 unit properties, condos, condotels, 5–10 unit buildings, and mixed-use properties

What is the maximum loan amount?

DSCR loans are available up to $3 million

How quickly can I close?

As little as 7 days once the appraisal is completed

What down payment is required?

Typically 15-25% depending on lender and loan program

Can I use it for refinancing?

Yes! Available for both purchases and refinances including cash-out

©2026 DSCRLoanZone.com

Main Street Automation LLC

DSCRLoanZone.com is a loan-matching service. We do not originate, fund, or service loans directly. Our role is to connect borrowers with third-party lenders in our network who may be able to meet their needs. Loan terms, approvals, and funding decisions are made solely by the lenders. We make no guarantees regarding the availability, approval, or terms of any loan. All loan offers are subject to the lender's eligibility requirements and underwriting criteria.

Disclaimer: DSCRLoanZone.com is owned and operated by Direct Marketing Media, Inc. and is intended for informational and marketing purposes only. We are not a lender, broker, or financial institution. All information provided on this site is based on sources believed to be reliable; however, we do not guarantee the accuracy, completeness, or timeliness of any information. Any loan terms, rates, or programs mentioned are subject to change without notice and may vary based on individual qualifications and market conditions. DSCR loans may not be available in all states or to all applicants. This website may receive compensation from lenders or partners in connection with the services offered. Nothing on this site should be construed as legal, tax, or financial advice—please consult with a qualified professional before making any financial decisions. By using this site, you agree to our Terms of Use and Privacy Policy.