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Qualify on the property, not the tax return.

The DSCR loan exists because conventional financing penalizes the thing that makes you a good investor: your ability to legally minimize what you owe in taxes. Conventional wants W-2 income and stable employment. You structure your finances around cash flow and tax efficiency, which means writing off everything you legally can. Conventional sees that and says no.

This is one of the products where we’re the lender. I make the call, not a wholesale partner.

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DSCR asks one question. Does the property's rent cover its mortgage? If yes, the deal works. Tax returns largely stay out of it.

Who DSCR fits

  • You’re scaling a portfolio and tired of tax returns gating your buying pace
  • You’re self-employed with strong cash flow and write-offs that confuse underwriting
  • You’re acquiring 1–9 unit residential rental properties
  • You want to close in an LLC

What we finance

  • Single-family rentals
  • 2–4 unit multifamily
  • 5–9 unit residential
  • Short-term rental properties where the rental income story supports the deal

What it costs you

DSCR rates sit above owner-occupied conventional. You’re paying a premium for the right to qualify on the property instead of your tax return. For an active investor, the premium pays for itself fast.

Quick answers

Generally no. That’s the point.

Usually yes. That’s how most investors prefer to hold title anyway.

Often yes, depending on the property and the documentation. Bring the deal and we’ll tell you.

Run your next deal by me

Get prequalified or call 860-288-4884.

Loans subject to credit approval.

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