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Investor Loans

DSCR Loans

Debt Service Coverage Ratio (DSCR) loans qualify properties based on their rental income rather than your personal income or tax returns. The ultimate tool for scaling a rental portfolio.

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At a Glance

Funding Amount $75,000 - $2,000,000
Term 30-Year (fixed & adjustable, IO available)
Overview

The Angel Funding Advantage

A Debt-Service Coverage Ratio (DSCR) loan is real estate financing that qualifies you based on the property's rental income rather than your personal income or Debt-to-Income (DTI) ratio. No W2s, no tax returns, no employment verification — the property's cash flow does the talking. That makes it the tool of choice for self-employed investors, full-time landlords, and anyone scaling past the conventional lending ceiling.

A ratio of 1.0 means the property breaks even, 1.2 is a healthy target, and 1.5 or higher is excellent.

  • No personal income verification (W2s/tax returns)
  • Qualify based on property rent
  • LLC borrowing allowed
DSCR Loans
The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

1

Property Income Evaluation

We evaluate the property's current lease or the appraiser's estimate of market rent.

2

DSCR Calculation

Our advisors handle this step for you and keep you informed at every stage.

3

Sponsor Check

Our advisors handle this step for you and keep you informed at every stage.

4

Funding

Our advisors handle this step for you and keep you informed at every stage.

Who Qualifies?

  • Minimum DSCR of 1.05x (gross rent ÷ PITIA); 1.2+ recommended
  • Eligible properties: single-family homes, 2-4 units, warrantable condos, townhomes, and PUDs (no rural properties); short-term/vacation rentals eligible
  • No personal income, tax return, or W-2 documentation required

Why Choose This Option

  • Zero personal income verification (No W2s, no tax returns, no pay stubs).
  • Unlimited scaling—there is no limit to the number of DSCR loans you can hold.
Common Scenarios

How businesses use DSCR Loans

Portfolio Scaling

Buying your 11th rental property after traditional banks have cut you off due to maxing out Fannie/Freddie limits.

Self-Employed Investors

A business owner who writes off most of their income for taxes, showing too little personal income for a bank mortgage.

Short-Term Rentals

Financing a vacation cabin in Florida based on projected Airbnb revenues from AirDNA data.

The BRRRR Cash-Out

Refinancing a flipped property to pull your capital back out and hold it as a long-term rental.

FAQ

Frequently Asked Questions

Get the facts on DSCR Loans.

How is DSCR calculated?
A ratio of 1.0 means break-even, 1.2 is the recommended minimum target, and 1.5+ is excellent.
What DSCR ratio is required?
A minimum of 1.05x (gross rent equals or slightly exceeds the mortgage payment). For borrowers with high credit and reserves, exception programs may be available.
Can I buy a vacant property?
Yes — vacant units are allowed on purchases, and up to one vacant unit is allowed when refinancing a 2-4 unit property.
What if my DSCR is low — can I improve it?
Yes. A low ratio is usually caused by high insurance or taxes, or below-market rent. You can improve it by raising rents to market, making a larger down payment, or shopping for lower insurance and tax costs.
Can I use this for short-term rentals (Airbnb)?
Yes! We are highly experienced in STR lending.
Does the loan have to be in an LLC?
(Commercial bridge loans require an LLC, but DSCR allows personal names).
Can I bundle multiple properties into one loan?
Yes, we offer Portfolio DSCR loans where you can blanket 5, 10, or 50+ properties under a single loan with a single monthly payment.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call