DSCR Loans Archives - Home Equity Lending

Start here — get your DSCR terms in writing

Five fields, about two minutes. Tell us the property and we come back with real numbers, not a rate range. No tax returns and no income verification.

✓ DSCR — qualifies on rent, not your income
✓ LLC borrowers welcome
✓ Close in 14–21 days

Get My Written Quote → Or call 888-727-3057

Mon–Thu 9–5 · Fri 9–12 CT

★★★★★ Direct Lender Since 1998 | ✓ No Tax Returns on Most Programs | ✓ DSCR · Fix & Flip · Hard Money · Cash-Out | 📞 888-727-3057

Investor FAQs

Real Answers for Real Estate Investors

The questions every investor asks before applying.

Not on most programs. DSCR loans qualify on the property’s rental income — we use the rent roll, not your tax returns. Hard money, fix-and-flip, and bridge loans require no income documentation at all. Only our conventional full-doc programs require tax returns.

Yes, and we encourage it. Most of our investors borrow through LLCs, S-corps, or trusts. Entity borrowing does not disqualify you from any of our programs. We have experience with complex ownership structures including multiple LLCs and cross-collateral arrangements.

DSCR stands for Debt Service Coverage Ratio. It measures whether the property’s rental income covers the mortgage payment. A DSCR of 1.0 means break-even; we typically require 1.0–1.1x minimum. We calculate DSCR using market rents if the property is vacant, or actual leases if occupied. No personal income needed.

Hard money / fix-and-flip: 7–14 days. DSCR and cash-out: 14–28 days. Bridge loans: 10–21 days. Conventional full-doc: 30–45 days. We move as fast as you do — the appraisal and title are usually the pace-setters.

Yes. We accept short-term rental income for DSCR qualification using AirDNA market data or the borrower’s Airbnb revenue history. Many lenders won’t touch STRs — we specialize in them.

Hard money and fix-and-flip: no minimum — we are asset-based. DSCR and cash-out refi: 620+ preferred, though exceptions exist. Conventional: 680+. If you’ve been declined elsewhere, call us — we have seen every credit situation.

Never. No application fees, no processing fees, no upfront costs. Our origination fee is collected at closing from loan proceeds. If we can’t get your deal done, you pay us nothing. This has been our policy since 1998.

Get My Investor Rate → ✆ 888-727-3057

Before You Go — Get Your Investor Rate

DSCR, fix & flip, hard money, cash-out. No tax returns on most programs. No credit pull to get your rate.

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Start here — get your DSCR terms in writing

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Before You Go — Get Your Investor Rate