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DSCR Loan · The rent qualifies — not your W‑2

DSCR Loan: The rent qualifies — not your W‑2.

DSCR loans size on one ratio: does the rent cover the payment? If the deal cash flows, we can usually build a loan around it — purchase or refinance. No tax returns, no income or employment verification. One program covers long-term rentals, short-term rentals, and 1–4 unit properties, vested in your name or your LLC.

DSCR rates from 6.375%*

*Sample DSCR pricing as of October 2026, for business-purpose investment property loans only. Not a commitment to lend; rates change daily and depend on credit, LTV, DSCR and property. All loans subject to approval.

  • No Personal Income Docs — No tax returns, no income or employment verification — the property’s rent-to-payment ratio carries the loan.
  • No Title Seasoning on Cash-Out $100K+ — Refinance right after purchase or rehab, qualified on today’s appraised value — not your purchase price. Under $100K carries 6-month title seasoning. see how it works →
  • No Credit Score Minimum — Maximum LTV is set by credit tier — below 620 caps at 50% LTV — so a bruised score doesn’t end the conversation.
  • DSCR HELOC & Second Mortgage — Tap equity at up to 75% CLTV without touching your first mortgage. see how it works →
  • 1031 & Special Situations — 1031 and reverse-1031 friendly, land-contract refis (6-month seasoning), and probate/inheritance buyouts up to 75% LTV cash-out or 80% purchase.
  • Below 1.0 DSCR? Still Possible — A no-ratio option exists when the rent doesn’t fully cover the payment yet.

Or skip the form — call or text 949-868-2422

Find My LoanAbout 55 seconds left

60 seconds · no hard credit pull · never sold

What type of property is this?

You’ll work directly with Anthony HuynhVice President · NMLS #1996696

Credit score (LTV set by tier)
No minimum
Loan amounts
$75K–$3M
No tax returns or W-2s
No income docs
Personal name or LLC
LLC OK

Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.

Fastest answer: call or text us — 949-868-2422 · no call center, no waiting

Run the Numbers

Run your DSCR numbers.

Enter your numbers for a quick estimate — then turn it into real numbers with the funnel or a call.

DSCR Calculator

Does the rent cover the payment? Compare a 30-year fixed against a 10-year interest-only option.

Loan purpose
Property & loan
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Linked to LTV

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Enter a rate to model — we don’t advertise rates.

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Optional — adds the interest-only comparison.

Income & expenses
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Closing costs (optional)
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Enter the 30-year rate (plus value, loan amount, and rent) to see your DSCR.

Opens the 60-second options check with your numbers filled in — no hard credit pull.

DSCR = gross monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance, HOA). Actual terms depend on LTV, DSCR tier, credit, and property type.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Know Before You Apply

Can we fund your deal? Check before you apply.

The DSCR Loan guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.

DSCR Loan requirements

What you need

  • Minimum Credit Score: None — below 620 caps at 50% LTV
  • Loan Amount: $75K – $3M
  • Purchase: 20% down (80% max LTV)
  • Cash-Out Refinance: 80% LTV with 1+ year on title, otherwise 75%
  • Short-Term Rental: Up to 75% LTV
  • Title Seasoning: None on cash-out $100K+; 6 months under $100K
  • Vesting: Personal name or LLC
  • Property Types: 1–4 unit rentals; rural up to 40 acres on some programs
  • Availability: Most states — not offered in SD, ND, VT, IL, MA or NY
  • Where we lend: Available for investment properties in 44 states plus Washington, D.C. — see every state

General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.

Recently Funded

Recently funded: DSCR.

A sample of loans funded for clients across the country — borrower details omitted for privacy.

  • DSCR

    Denver, CO

    $200,000

Examples of actual funded transactions; borrower details omitted for privacy. Past transactions are not a guarantee of loan approval or terms. All loans subject to credit approval.

Reviews

5.0 from clients who closed with Anthony.

Read all 25 verified reviews →

  • 5 out of 5 stars

    “Anthony made all the difference. I say this because I originally spoke to someone else at West Capital who unfortunately didn't quite have the experience to get this deal done. Best HELOC options in the business.”
    Damian F · Hollywood, FL · Apr 2026Verified client review

  • 5 out of 5 stars

    “Start to finish in just 4 business days — honestly unreal. The entire process was smooth, fast, and stress-free. Anthony Huynh went above and beyond every step of the way and made everything feel easy. Couldn't have asked for better service. Highly recommend!”
    Kevin R · Paradise Valley, AZ · Apr 2026Verified client review

  • 5 out of 5 stars

    “Great salesman and def deserve all the stars the world have to offer. Thanks for finishing up my loan. Much appreciated.”
    Zhong Z · Memphis, TN · Apr 2026Verified client review

FAQ

Frequently Asked Questions

Common questions about the DSCR Loan.

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property’s rental income rather than your personal income. DSCR = gross rental income ÷ total monthly payment (principal, interest, taxes, insurance, and HOA). No W-2s or tax returns are required.

Can I get a DSCR loan as a first-time investor?

Yes. First-time investors are welcome, and there is no minimum credit score — maximum LTV is set by credit tier instead (below 620 caps at 50% LTV). Purchases need 20% down, on loans from $75,000 to $3,000,000.

Can Airbnb / VRBO income qualify?

Yes. Short-term rental scenarios use market rent or documented STR history from platforms like Airbnb and VRBO to qualify the property. Short-term rentals are capped at 75% LTV.

Do 2-4 unit properties qualify?

Yes. Duplexes, triplexes, and quadplexes qualify on the building’s combined rental income, and rural properties up to 40 acres are allowed on some programs — flexibility many multifamily lenders don’t offer.

Can I close in an LLC?

Yes. DSCR loans are business-purpose loans and can typically close in the name of an LLC or corporation, which many investors prefer for liability protection.

Is there a seasoning requirement?

Not on cash-out refinances of $100,000 or more — you can refinance right after purchase or rehab, qualified on today’s appraised value rather than your purchase price. Under $100,000 carries 6-month title seasoning. Cash-out goes to 80% LTV with a year or more on title, otherwise 75%.

Related Programs

Other programs worth a look.

Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.

Ready to explore DSCR Loan?

Answer a few quick questions and get a personalized strategy recommendation — including whether DSCR is right for your situation. No hard credit pull.

Check My Options →Call / Text Us: 949-868-2422

Prefer a set time? Book a call · Ready to apply? Start your full application

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.