NMLS #1281 Since 2005 Investor Loan Specialists
Call/Text (833) 350-9185
1st Nationwide Mortgage

If the Rent Covers the Payment, You May Qualify

DSCR loans qualify based on your property's cash flow — not your personal income, tax returns, or employment. Built for real estate investors buying or refinancing 1–4 unit rentals.

  • No tax returns, W-2s, or pay stubs required
  • Close in your LLC or personal name
  • Short-term rentals (Airbnb/VRBO) may qualify
  • Purchase or cash-out refinance · 38 states including TX, FL, GA, NC, VA, WA
  • Loans from $100K to $3,500,000 · Close in 21–30 days
20+ yrs lending
NMLS #1281
BBB A+ rated
38 states
21-30 day close
Talk to an Investor Specialist (833) 350-9185
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Multi-Unit & Jumbo DSCR — Up to $3,500,000

Scaling beyond a single rental? We finance 2–8 unit multi-family, mixed-use, and jumbo investor loans — same no-income-doc qualification.

 

Multi-Unit (2–8 Units)

Duplex, triplex, fourplex, and small multi-family (up to 8 units on select programs). Qualify on the property's total rental cash flow — no personal income documentation.

 

Jumbo DSCR (Up to $3,500,000)

High-balance investor loans for premium rental properties. 680+ FICO, 25%+ down, DSCR 1.00+. Available across our 38 DSCR-eligible states.

 

Commercial & Mixed-Use

Commercial rental, mixed-use, and portfolio-level financing for experienced investors. Portfolio and blanket loans also available.

Talk to an Investor Loan Specialist (833) 350-9185

DSCR Loan FAQ

The real questions investors ask before they call.

What DSCR ratio do you accept?

Programs start as low as 0.75 DSCR. Most of our loans close at 1.0 or above. If the rent covers the mortgage payment, you’re likely a fit.

What’s the minimum credit score?

640+ for most DSCR programs. Higher credit unlocks better rates and higher loan-to-value. We don’t offer DSCR below 640.

Can I close in my LLC?

Yes. We close DSCR loans in your personal name or LLC — your choice. No tax return or employment verification either way.

Do you accept Airbnb / short-term rental income?

Yes. We can qualify using market rent OR projected short-term rental income with comparables. Airbnb, VRBO, and executive rentals all work on the right programs.

What’s the minimum loan amount?

Most programs start at $100,000. We originate DSCR loans up to $3,500,000.

How many investment properties can I finance?

No cap. DSCR doesn’t care how many properties you already own — each one qualifies independently on its own cash flow.

What states do you lend in for DSCR?

38 states plus D.C. Includes Texas, Florida, Georgia, North Carolina, Virginia, Washington, Ohio, Tennessee, and more. Select your state in the form above to confirm.

How long does closing take?

Typical: 21–30 days from file acceptance. No employment verification or tax return delays. Dry-funding states may add 1–2 days.

What rates can I expect?

Rates depend on credit, DSCR ratio, loan size, LTV, and property type. Call (833) 350-9185 for a same-day quote on your exact scenario.

What reserves do I need?

Most programs require 3–6 months of PITIA (principal, interest, taxes, insurance, association) reserves per financed property. Stronger investors may qualify with less.