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DSCR INVESTMENT PROPERTY LOANS

DSCR Investment Property Loans

Your property's income qualifies you. Not your pay stub.

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​No W-2 required · ​Close in as few as 5 business days

How DSCR qualification works

Three things. No tax returns. No pay stubs.

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620+ Credit Score

Minimum 620 FICO. Better credit unlocks better rates and lower down-payment bands.

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DSCR Ratio 1.0+

Monthly rent ÷ monthly PITIA. At 1.0 the property breaks even; above 1.0 it cash flows.

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Investment Property

SFR, 2-4 unit, 5+ unit, mixed-use — long-term or short-term rental both qualify.

Why conventional loans don't work for investors

Conventional underwriting was designed for W-2 homeowners — 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 them. They only accept W-2 income, which most serious investors don't have.

​Tax returns that hurt you

Smart investors minimize taxes through depreciation. 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 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.

​Seasoning rules that stall BRRRR

Conventional refinance requires 6-12 months of ownership before you can pull equity. DSCR lets you pull equity immediately after stabilization — no seasoning wait.

Who uses DSCR loans

Designed for investors who build wealth through property income — not a paycheck.

​Fix & Flip Investors

Bridge capital fast, then a DSCR refi once the property is stabilized and rented.

​BRRRR Strategists

DSCR is the refi engine of BRRRR. Pull equity immediately — no 12-month seasoning wait.

​Portfolio Builders

Each property qualifies independently on its own DSCR. No stacking against personal DTI.

​Airbnb & STR Operators

Programs count short-term rental income using 12-month averages or market rent analysis.

​Self-Employed Investors

DSCR doesn't look at your tax returns. Only the property's rent-to-payment ratio matters.

​Multi-Family Investors

More units means more income streams — DSCR ratios are typically stronger on multi-family.

Frequently asked questions

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income a property generates relative to the mortgage payment. If the property income covers the debt, you qualify — no W-2 or tax returns required.

DSCR = Monthly Rental Income ÷ Monthly Mortgage Payment (PITIA). A DSCR of 1.0 means the property breaks even. Most programs require 1.0 or higher; some accept 0.75+ with compensating factors like higher credit scores or lower LTV.

Minimum 620 FICO score (HCP verified). Higher credit scores unlock better pricing, lower down-payment bands, and more favorable terms.

Yes. DSCR programs accept both long-term rental income and short-term rental (Airbnb / VRBO) income. STR income is typically calculated using a 12-month average or a market rent analysis.

DSCR loans can close in as few as 5-10 business days. Streamlined underwriting — focused on property performance rather than personal financial documentation — allows significantly faster closings than conventional loans.

Get a property-specific pre-qualification

Tell us about the property. We'll send back a DSCR analysis, rate scenarios, and a same-day pre-qual estimate.

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Homestead Capital Partners · NMLS #2587985 · Licensed in 48 states (excluding New York and Massachusetts) · NEXA Mortgage, LLC (DBA NEXA Lending) · NMLS #1660690 · 5559 S Sossaman Rd, Bldg 1, Ste 101, Mesa, AZ 85212 · Equal Housing Lender

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; 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.