DSCR Loans for Real Estate Investors
Financing for rental properties based on property cash flow, not your personal income. More flexible options. Faster approvals.
Serving real estate investors buying or refinancing rental properties nationwide.
We Have Offer To You
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Conventional Mortgages
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Your DSCR Loan Specialist
As a mortgage broker with access to nearly 300 lenders, I help real estate investors secure DSCR loans for rental properties of all types. DSCR loans allow you to qualify based on the property’s rental income rather than your personal income, making them ideal for scaling your portfolio without traditional income documentation.
Whether you're buying your first investment property or adding to your existing portfolio, I’ll help you compare DSCR programs, get accurate numbers, and structure the loan that best supports your investment strategy.
What You Get When You Work With a Local Broker:
Qualify based on rental income, not personal income
More loan options from nearly 300 lenders
Fast investor pre-approvals, often same day
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What DSCR Loans Offer
See how DSCR loans work and what they offer real estate investors.
Qualify using DSCR (rental income covers PITIA)
No tax returns or W2s needed
Use long-term or short-term rental income
Purchases, rate-term, or cash-out options
Title can be held in an LLC
Up to 80% LTV in many cases
Quick closings for investors
Flexible underwriting across nearly 300 lenders
Want a streamlined version of this page? Visit the DSCR Quick-Apply Page.
Frequently Asked Questions
What credit score do I need for a DSCR loan?
Most lenders start around 620 to 640, though stronger credit may qualify for better terms.
2. What is a good DSCR ratio?
A DSCR of 1.0 or higher typically qualifies, though some lenders offer approvals below 1.0 with compensating factors.
3. Can I use Airbnb or short-term rental income?
Yes, many DSCR lenders allow short-term rental income using market rents or 12-month history.
4. Can I close the loan in an LLC?
Yes. Many DSCR lenders allow title to be held in an LLC or corporation.
5. Do I need income documents?
No W2s, pay stubs, or tax returns are required. The loan is based primarily on property cash flow.
What DSCR do I need to qualify?
Most lenders look for a DSCR of 1.0 or higher, meaning the property’s rental income covers the mortgage payment. Some lenders allow lower DSCRs with compensating factors like strong credit or larger down payments.
Ready to Get Pre-Qualified?
Get a personalized quote, compare DSCR loan options, and get a fast pre-approval designed for real estate investors.
OUR TEAM
Lennox Wardell
Chief Executive Officer
Sarah Odegard
President of Finance
Lars Jakuba
Executive Vice President
Mikey Diokles
Sales Manager
Testimonials
People Love Us
Wow Very Nice Team, I'm so happy with your service. You managed to exceed my expectations! You guys are very efficient and I will refer more people to your company!
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Service Areas
Alpharetta • Atlanta • Brookhaven • College Park • Decatur • Dunwoody • Johns Creek
Kennesaw • Marietta • Roswell • Sandy Springs • Smyrna • Stone Mountain • Tucker
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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