The Nation's Most Comprehensive Funding Source

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Fast DSCR Financing for Investment Properties

No tax returns. No W2s. Minimal documentation.
Close in as little as 15 days.

  • 660+ FICO options

  • Up to 80% LTV

  • Cash-out options available

  • Long-term or short-term rentals

  • Financing in LLC or personal name

We respect your privacy. Your information is secure and never sold or shared.

The Nation's Most Comprehensive Funding Source

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What Happens Next?

A quick look at what happens right after you request your personalized DSCR quote.

Step 1:

We review your property

info and goals.

Step 2:

We run your DSCR options across 200+ lenders.

Step 3:

You get a clear, personalized quote in minutes, not days.

Is a DSCR Loan Right for You?

If you’re an investor who wants to grow your portfolio without handing over tax returns and W-2s,

this program was built for you.

Buy Your Next Rental

Without Tax Returns

Qualify using rental income—not your personal tax returns or W-2s. Ideal for scaling your portfolio faster.

  • Qualify using rental income, not personal income

  • Great for self-employed or 1099 investors

  • Close in as little as 15–21 days with a fast, investor-friendly process

Refinance & Pull Cash for More Deals

Already own a rental? Tap your equity to scale faster with a cash-out refinance - position yourself for long-term growth.

  • Cash-out options to fund down payments and rehab

  • Keep properties in your LLC or personal name

  • Improve cash flow and simplify your financing

Short-Term or Long-Term Rentals

Whether you run AirBNBs, mid-term rentals, or classic long-term units, DSCR works for you.

  • DSCR works for a wide range of property types

  • Use market rent or rental projections where allowed

  • Ideal for building a mixed portfolio over time

Engaging Minds, Empowering Success.

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How DSCR Loans Work

In Under 60 Seconds

DSCR loans qualify you based on your property’s cash flow—not your personal income. Here’s a quick overview of how the process works and what to expect before applying.

  • No tax returns or W-2s required

  • Approval based on rental income projections

  • Great for LLCs, BRRRR, and long-term holdings

  • Close in as little as 15–21 days with a fast, investor-friendly process

What Real Borrowers Say About Working With Us

Borrowers trust us for clear communication, fast closings, and investor-friendly financing.

What is a DSCR loan and how does it work?

A DSCR loan is a type of investment property mortgage where approval is based on your property’s cash flow—not your personal income, tax returns, or W-2s. The lender verifies that your rental income can cover the mortgage payment.

What credit score do I need for a DSCR loan?

Most lenders require a minimum credit score between 660 and 680. Programs vary, and some allow exceptions depending on the LTV and property type.

Can I purchase under my LLC?

Yes. DSCR loans are investor-friendly and allow title to be held under an LLC or personal name.

Do I need tax returns or W-2s to qualify?

No. DSCR mortgages do not require tax returns, W-2s, or personal income documentation. Approval is based entirely on the rental income of the property.

How fast can a DSCR loan close?

Most loans close in 15–21 days, depending on appraisal timing and documentation.

What properties qualify for DSCR financing?

Single-family rentals, condos, townhomes, multi-family properties, and short-term/medium-term rentals (Airbnb, VRBO) may qualify depending on the lender.

Does applying for a DSCR loan hurt my credit?

Your initial pre-qualification does not affect your credit. A hard pull is only done once you decide to move forward with the loan.

Get Started Today

Ready to See Your DSCR Loan Options?

No tax returns • No W-2s • Fast investor approvals

All product names, logos, and brands are property of their respective owners.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2022 | NEXA Mortgage LLC.

Licensed in: GA, FL, AL, NC, VA, AZ

NMLS# 2279879 | AZMB: 2001591, NMLS ID 1660690

Corporate Address : 5559 S. Sossaman Rd, Bldg 1, #101 Mesa, AZ 85212

Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.

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