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DSCR Loans: The Rental Property Game-Changer
When You Want to Build Wealth Without Showing Your W-2
What if you could buy rental properties without proving your personal income? What if the property's rental income was all that mattered for qualification?
That's exactly what DSCR loans do - they focus on the property's ability to pay for itself, not your job or tax returns.
For single moms building rental portfolios, this removes the biggest qualification hurdle.
What Is a DSCR Loan?
DSCR = Debt Service Coverage Ratio
Simple translation: Does the rent cover the mortgage payment?
Key Benefits:
✅ No tax returns required
✅ No W-2s needed
✅ No personal income verification
✅ Close in 20 days
✅ Rates starting at 6.5%
✅ Just 1.5 points
The lender only cares about one thing: Will the rent pay the mortgage?
How the DSCR Formula Works
DSCR = Monthly Rent ÷ Monthly Mortgage Payment
You need a score of 1.05 or higher (rent slightly exceeds mortgage)
Example 1 - PASSES:
Property costs: $200,000
Monthly rent: $2,000
Monthly mortgage: $1,400
DSCR: $2,000 ÷ $1,400 = 1.43 ✅
Example 2 - FAILS:
Property costs: $170,000
Monthly rent: $1,200
Monthly mortgage: $1,400
DSCR: $1,200 ÷ $1,400 = 0.86 ❌
See? It's just math. If rent covers mortgage with cushion, you qualify.
Who This Works For
Credit Requirements:
  • 680+ credit score (680-719 gets you in)
  • 720+ credit score (gets you the best rates)
Property Types:
  • Single-family homes
  • Duplexes (2-4 units)
  • Small multifamily buildings
  • Short-term rentals (Airbnb)
Loan Terms:
  • 80-85% LTV (loan-to-value)
  • 5+ units require 20% down
  • Stabilized bridge up to 70% LTV
Cash-Out Refinance Power
Own a property free and clear? Pull equity out to buy more properties.
Real Example:
$140,000
Your property value
$50,000
Needs repairs
$105,000
75% cash-out refi
$105,000
Your cash out
to buy next property
Use your existing properties to buy MORE properties - that's how wealth builds.
100% Financing for Elite Investors
Meet these criteria, get 100% financing:
Requirements:
1
750+ credit score
2
$150,000 liquid in the bank
3
5+ investment properties
(flips, rentals, Airbnb)
Example - Elite Investor:
  • 760 credit score ✅
  • $200K liquid ✅
  • 6 rental properties ✅
  • Result: 100% financing available
Your experience and liquidity become your down payment.
Rate Reality Check
Rates: 6% to 9% (changes daily based on market conditions)
To lock your rate:
  • Submit documents within 3 days
  • Avoid delays that cost you money
Pro tip: Good rates don't last forever in changing markets.
Why This Changes Everything
Traditional Rental Property Loan:
  • Need to prove your job income
  • Show 2 years tax returns
  • Debt-to-income calculations
  • Personal financial scrutiny
DSCR Loan:
  • Property rent is your "income"
  • No tax returns needed
  • No job verification required
  • Focus on the deal, not your personal finances
Perfect for entrepreneurs, self-employed, or anyone who wants privacy.
Is This Right for YOU?
This Product is PERFECT If You:
✅ Have 680+ credit score (720+ for best rates)
✅ Want to buy rental properties
✅ Prefer not to show tax returns/W-2s
✅ Have properties that rent well in your market
✅ Want to build a rental portfolio
✅ Are self-employed or have complex income
This Might NOT Work If You:
❌ Have credit below 680
❌ Can't find properties that rent for enough
❌ Want to flip properties (not hold as rentals)
❌ Don't want to deal with tenants/property management
The Portfolio Building Strategy
Property 1
Use DSCR loan, rent covers mortgage
Property 2
Cash-out refi Property 1, use funds for Property 2
Property 3
Use equity from Properties 1&2 for Property 3
Continue building...
Each property you acquire makes the next one easier to finance.
The Bottom Line
DSCR loans let you build a rental portfolio based on property performance, not personal income verification.
For single moms who want rental income but don't want to expose their entire financial life to lenders, this creates a private path to wealth building.
The properties pay for themselves while building your net worth.
Next Steps
We'll discuss:
Whether your credit qualifies for best rates
Finding properties with strong rent-to-price ratios
Your strategy for building a rental portfolio
Using cash-out refis to scale your investments
Build wealth through rental income without the personal income verification hassle.