DSCR Terms
- Up to 80% LTV
- Close in 5–10 Business Days
- 30-Year Fixed Terms Available
HOW DSCR QUALIFICATION WORKS
620+ Credit Score
Minimum 620 FICO required (HCP Verified). No W-2, no tax returns, no employment verification needed.
DSCR Ratio 1.0+
Property rental income must cover the mortgage payment. DSCR = Rent ÷ PITIA. Some programs accept 0.75+.
Investment Property
SFR, multifamily, or mixed-use. Entity or individual ownership. Property must generate rental income.
BUILT FOR INVESTORS
0
W-2s Required
30-Yr
Fixed Terms Available
Fast
Closing Available
THE DSCR ADVANTAGE
DSCR lending flips the script on traditional underwriting. Your property's performance is the qualification — not your personal income.
No W-2 Needed
Skip income verification.
No tax returns required.
Property income qualifies.
Simple DSCR Math
Rent covers payment = approved.
Calculate your ratio.
LTR & STR Programs
Long-term and Airbnb.
Both income types accepted.
All rental strategies.
Unlimited Properties
No 4-10 property caps.
Stack your entire portfolio.
Scale without limits.
WHO USES DSCR LOANS
DSCR lending was designed for investors who build wealth through property income — not a paycheck. If your properties cash flow, you qualify.
Fix & Flip Investors
You need bridge capital fast, then a DSCR refi once the property is stabilized and rented. Traditional lenders can't keep up with your acquisition pace.
BRRRR Strategists
DSCR is the refi engine of BRRRR. Once your rehab is done and the tenant is in, DSCR lets you pull equity out immediately — no 12-month seasoning wait.
Portfolio Builders
Each property qualifies independently on its own DSCR. No stacking against personal DTI. Add your 15th property the same way you added your 5th.
Airbnb & STR Operators
DSCR programs count your short-term rental income using 12-month averages or market rent analysis. The platform revenue that banks ignore is exactly what qualifies you here.
Self-Employed Investors
DSCR doesn't look at your tax returns. Your business write-offs, 1099 income, and K-1 complexity are irrelevant — only the property's rent-to-payment ratio matters.
Multi-Family Investors
Multi-unit properties often have the strongest DSCR ratios. More units means more income streams, making qualification straightforward even on larger deals.
First-Time Investors
DSCR removes the experience catch-22. If the property cash flows, you qualify — even on your first investment property. The numbers speak for themselves.
Out-of-State Investors
DSCR qualification is property-based, not borrower-location-based. Invest in any market from anywhere — your property's rent covers the qualification regardless of where you live.
WHY CONVENTIONAL LOANS DON'T WORK FOR INVESTORS
Conventional mortgage underwriting was designed for homeowners with W-2 jobs. It systematically excludes the people who build wealth through real estate.
Income That Doesn't Count
Rental income, Airbnb revenue, LLC distributions — conventional lenders discount or ignore all of it. They only accept W-2 employment income, which most serious investors don't have.
Tax Returns That Hurt You
Smart investors minimize taxes through depreciation and write-offs. But conventional lenders use your tax return as income proof — the lower your taxes, the less you "earn" in their eyes.
DTI That Punishes Growth
Every property you own adds to your debt-to-income ratio. Conventional lenders see 10 cash-flowing properties as a liability, not an asset. Your success becomes the reason for denial.
Conventional refinance requires 6-12 months of ownership before you can pull equity. For BRRRR investors, that means capital trapped in completed projects instead of funding the next deal.
DSCR Advantage
Your property's income qualifies — not your tax returns. Invest on performance, not paperwork. Close in as few as 30 days.
- Qualify on rental income, not personal DTI
- No W-2s, no tax returns, no paystubs
- Close in as few as 30 days
- Finance multiple properties under one program
See if your investment property qualifies. No obligation.
Check EligibilityDSCR LOAN PROGRAMS
One qualification method. Multiple strategies supported.
Long-Term Rental
30-year fixed terms for buy-and-hold investors. Qualify on annual lease income with standard DSCR calculation.
Short-Term Rental
Airbnb and VRBO income programs. Qualification uses 12-month average or market rent analysis for STR properties.
BRRRR Refinance
Cash-out refinance on stabilized properties. Pull equity from completed rehabs to fund the next acquisition cycle.
Multi-Family DSCR
2-4 unit and 5+ unit programs. Multiple income streams strengthen your DSCR ratio for easier qualification.
Portfolio Stacking
Bundle 2-10+ properties under one DSCR loan. Volume pricing and simplified underwriting for portfolio-scale investors.
Vacation Rental
Specialized programs for resort and vacation markets. Seasonal income smoothing and market-specific rent analysis built in.
Frequently Asked Questions
Lock Your Rate on Investment Properties Before They Hit the Market
Smart investors move fast. A DSCR pre-qualification puts you ahead of the competition — know your buying power before the listing goes live. No income docs. No tax returns. Just results.
Get pre-qualified in minutes →
CHECK YOUR DSCR ELIGIBILITY
620+ credit score? Income-producing property? See if your property qualifies in minutes.
Equal Credit Opportunity Act Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Homestead Capital Partners is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552.