DSCR Loan, 25% Down no Ratio
Invest with Ease. No Income Docs. No Hassle.
Our Debt Service Coverage Ratio (DSCR) Loan – 25% Down, No Ratio program is designed for real estate investors who want simplified financing without the paperwork burden. With no income verification or DSCR calculation required, this program allows you to qualify based solely on your down payment and property value.
Property Types Eligible
- Single-family rentals
- 2–4 unit properties
- Short-term rental (Airbnb/VRBO) properties
- Condos and Townhomes
Program Highlights
✅ No DSCR Calculation Required
No need to meet a specific rent-to-expense ratio—perfect for properties in lease-up or with low rent history.
✅ 25% Down Payment
Minimum 25% down required for flexible qualification, no tax returns or W-2s needed.
✅ Ideal for Investors
Great for those acquiring or refinancing investment properties that don’t meet traditional rental coverage metrics.
✅ Close in LLC or Individual Name
Flexible title options for portfolio or first-time investors.
Why Choose a DSCR Loan with 25% Down and No Ratio?
A DSCR (Debt Service Coverage Ratio) loan with 25% down and no income ratio requirement is the perfect solution for real estate investors who want speed, flexibility, and less red tape.
No Income Verification Needed
Skip the hassle of tax returns, pay stubs, or W-2s. Approval is based on the property’s ability to generate income—not your personal finances.
Simple, Streamlined Approval
No debt-to-income (DTI) calculation means a faster, more straightforward process. Ideal for self-employed borrowers, gig workers, and full-time investors.
Build or Expand Your Portfolio
With only 25% down, you can preserve capital and invest in multiple properties. This is a smart way to scale your real estate investments quickly.
Focus on Cash Flow
The loan is qualified based on the property’s rental income, making it perfect for long-term rentals, short-term vacation homes, or multifamily units.
Flexible Use
Use for purchases or refinancing of investment properties—without the tight restrictions of conventional financing.
Key Benefits of DSCR Loans
✅ No W-2s, Tax Returns, or Pay Stubs Needed
✅ Approval Based on Property Income
✅ Fast Closings – Less Documentation
✅ Great for Portfolio Growth
✅ Available for Short-Term Rentals (Airbnb/VRBO) and Long-Term Rentals
✅ Option to Close in an LLC or Business Name
DSCR Loan Requirements
✅ Minimum 25% Down Payment (depending on lender and property type)
✅ Minimum DSCR: Varies by lender (common threshold is 1.0+)
✅ Property Must Be Investment-Use Only (no primary residences)
✅ Good Credit Score (typically 620–700+)
✅ Appraisal with Market Rent Analysis (Form 1007)
