DSCR Investment Property Loans
Finance eligible investment properties using prospective rental income to help qualify, subject to lender requirements. No tax returns, no personal debt-to-income (DTI) calculations, and unlimited property acquisition capability.
Zero personal W-2s, 1099s, or corporate tax returns required to qualify.
Qualify as long as the property's gross rental income covers the mortgage payment (PITIA).
No 10-property conventional limit; scale your rental portfolio as fast as you find deals.
Close and vest titles directly into LLCs, partnerships, or business corporations.
What is a DSCR Loan & How Does It Work?
A Debt Service Coverage Ratio (DSCR) mortgage is an asset-based investor loan where the lender evaluates the property’s cash flow rather than your personal financial history. Instead of combing through personal tax returns, debt obligations, or paystubs, the underwriter compares the property's gross monthly market rent to its total monthly mortgage payment (Principal, Interest, Taxes, Insurance, and HOA).
Example: If a Prince William County rental property generates $3,000/month in rent and has a mortgage payment of $2,400/month, the DSCR is 1.25x ($3,000 ÷ $2,400). A ratio of 1.0x or higher qualifies smoothly with top wholesale tier pricing.
Why Real Estate Investors Love DSCR Financing
- No Personal Income Verification: Your personal employment, W-2s, and tax write-offs are never evaluated.
- Zero Debt-to-Income (DTI) Impact: Your personal car loans, student debt, and primary mortgage don't affect qualification.
- Interest-Only Payment Options: Boost monthly rental cash-in-pocket with 10-year interest-only periods.
- Short-Term Rentals Eligible: Qualify vacation properties (Airbnb/VRBO) using projected AirDNA market analysis.
- Cash-Out Equity Acceleration: Pull equity out of existing rentals to fund future acquisitions.
Duane Buziak
Investor Lending & Portfolio Broker"Once an investor owns 4 to 10 properties, traditional banks refuse to lend because tax deductions make income look artificially low. DSCR loans remove those roadblocks completely by letting the property qualify itself."
Check loan-to-value limits and DSCR rates with a soft pull that protects your credit score and generates zero spam calls.
Eligible DSCR Property Types
We finance diverse income-generating assets across Virginia and nationwide:
1–4 Unit Residential
Single-family rentals, duplexes, triplexes, and fourplexes. Perfect for traditional long-term tenant leasing strategies.
Short-Term Rentals (STR)
Vacation homes, Airbnbs, and VRBO properties qualified using trailing 12-month statements or professional AirDNA market rent projections.
Warrantable & Non-Warrantable Condos
Rental condominiums, high-rise buildings, and condo-hotel units that conventional lenders typically decline.
BRRRR Strategy Cash-Outs
Refinance renovated properties quickly based on the new appraised after-repair value (ARV) to recycle capital into your next deal.
DSCR Underwriting Guidelines Summary
Key benchmark parameters for Prince William Mortgage DSCR investor loans:
| Lending Parameter | Standard DSCR Guidelines | Wholesale Advantage with Duane Buziak |
|---|---|---|
| Minimum Down Payment | 20% down (80% LTV) | Options down to 15% down for experienced investors with 700+ credit. |
| Minimum DSCR Ratio | 1.0x to 1.25x | "No-Ratio" programs available where properties with < 1.0x DSCR can still qualify. |
| Personal Income Required | None | No tax returns, no W-2s, and no employment verification. |
| Minimum Credit Score | 640 FICO | Access to tier pricing down to 620 FICO. |
| Loan Amounts | $100,000 up to $3,500,000+ | High-balance luxury and multi-property portfolio blanket loans. |
| Vesting Entity | LLCs, Corporations, Individual | Close directly in your business entity with no extra hurdles. |
Have an Investment Deal Under Contract?
Send us your property address and projected rent. Duane Buziak will calculate your DSCR ratio, compare quotes across 50+ wholesale lenders, and issue an investor financing commitment.