🚀 GET INSTANT QUOTE
Get Your DSCR Loan Quote
See your rate & terms with our 2 min quote form
No Income Verification Required
Close in 7 Days*
Up to 85% LTV
SSL Secured
No Credit Check 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 or "no ratio."
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
Want to talk with a DSCR loan specialist? Call 855-774-3160
© 2026 Showcase Agency, Inc. dba Key Home Funding. All Rights Reserved. Privacy ∣ Terms
DSCR Loan Zone powered by KEY HOME FUNDING. Visit us at keyhomefunding.com to learn about our DSCR loan guarantees.
Key Home Funding, 18 Pismo Beach, Irvine, CA 92602. NMLS 1762262 ∣ DRE 02058997 ∣ GRNMA 1762262 ∣ GREC 8215
For licensing information go to www.nmlsconsumeraccess.org. Equal Housing Opportunity.
DSCR financing brokered by Key Home Funding is available in AL, AK, AR, CA, CO, CT, DE, DC, FL, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MA, MS, MO, NE, NH, NJ, NM, NY, NC, OH, OK, PA, RI, SC, TN, TX, WA, WV, WI, WY.
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Key Home Funding brokers loans and does not make and/or fund any product offerings, loans, or credit decisions. This offer is not guaranteed if you do not meet our criteria, including credit worthiness, insurability or ability to provide acceptable property as collateral. Terms and conditions apply. Programs, rates, terms and conditions are subject to change and are subject to borrower(s) qualification. This is not a commitment to lend. The content in this website has not been approved, reviewed, sponsored or endorsed by any department or government agency.
