Rental property loans that qualify on the rent
DSCR loans look at the property's cash flow, not your personal income. That makes it easier to scale a Utah rental portfolio.
- No personal income or tax returns required for DSCR
- Close in an LLC
- Long-term and short-term rental options
Real numbers. Straight answers. No pressure.
Tell us a little about your goals. Nelson will reach out the same business day with options from dozens of wholesale lenders.
See if you qualify: free, no commitment.
No pressure. Nelson will give you a straight answer about whether this works for your situation.
How DSCR loans work
DSCR stands for debt service coverage ratio: the property's rent divided by its mortgage payment (principal, interest, taxes, insurance and HOA). A ratio of 1.0 or higher means the rent covers the payment.
Many lenders approve DSCR loans with no personal income verification. We also offer conventional investment property loans when your returns qualify, often at a lower rate.
This is a good fit if you…
- Are buying a 1–4 unit rental or short-term rental
- Want to close in an LLC
- Own multiple properties already
- Prefer not to document personal income
Investor loan options
DSCR loans
Qualify on rental income. Typically 20–25% down.
Conventional investment
Lower rates when your personal income qualifies.
Cash-out on rentals
Pull equity from existing rentals to buy the next one.
Buyers keep coming back
Nelson and Danna did an outstanding job processing everything for my VA loan. They were very quick and responsive, and everything went much quicker than I expected. I was very happy with the rate and fees they were able to get for me.
This is the 2nd time we have worked with them to buy a house… They helped us to ensure that we configured our mortgage the best way possible for our needs. They were in constant contact with us to make adjustments to get us the best deal possible.
I could not have been happier with my experience! Nelson and Danna went way above and beyond… you will get an incredible attention to detail, but most of all you will feel like you're talking to your friends.
Questions we hear often
What DSCR ratio do I need?
Many lenders want 1.0 or higher. Some go below 1.0 with more down or reserves.
Can I use projected rent?
Yes. An appraiser's rent schedule is commonly used for purchases.
Can I finance a short-term rental?
Yes. Some DSCR programs use short-term rental income data.
Ready to see what you qualify for?
Talk with Nelson for 15 minutes. You'll leave with real numbers and a clear plan.