DSCR Loans Nationwide, $100K to $50M
π The Property Qualifies, Not YouI’m Kevin Kermeen, a nationwide commercial loan broker and a real estate investor myself, not a banker. I arrange DSCR loans that qualify on a property’s rental income, not your tax returns or pay stubs. If the rent covers the payment, you can close … and there’s no cap on how many doors you own. Build your portfolio at the speed your deals actually move.
Self-Employed Investor Added Door Number 11 When His Bank Said No
An investor already owned ten rentals and wanted an eleventh, a $420K single-family rental. His bank stopped him cold: conventional financing caps you at ten financed properties, and his tax returns, full of write-offs, did not “show” enough income on paper.
He called me. I placed a DSCR loan that qualified on the rental income, not his tax returns, with no cap on his property count. The rent covered the payment, so the deal closed and his portfolio kept growing.
That is the difference between one rigid bank box and a 75-lender network. Don’t Beg the Bank! Get funded instead.
DSCR Loans Qualify the Property, Not Your Paycheck
DSCR stands for Debt Service Coverage Ratio. In plain English: does the rent cover the mortgage payment? If it does, you qualify. DSCR loans skip the W-2s, the tax returns, the pay stubs and the personal income math that traps self-employed investors and anyone with a lot of write-offs. The property’s cash flow does the talking.
π΄ Conventional Loan
- βWants W-2s, tax returns and pay stubs.
- βWrite-offs make your income look small on paper.
- βCaps you at 10 financed properties.
- βSlower underwriting, more documents.
π’ DSCR Loan
- βQualifies on the property’s rental income.
- βNo personal income docs, ideal for self-employed.
- βNo cap on the number of properties you own.
- βFaster underwriting, closes in about 2 to 3 weeks.
DSCR Loans for Every Rental Strategy
From a single rental to a 50-door portfolio, DSCR loans qualify on the property’s income, not yours. Here is how I structure DSCR loans across the most common investor scenarios.
Single-Family Rental Purchase
Buy a single-family rental that cash-flows, qualified on the rent. No tax returns, up to 75% LTV, 30-year fixed available.
DSCR Loans for 1-4 Units
Duplexes, triplexes and fourplexes qualify the same way. More doors, more rent, and no personal income documentation required.
Cash-Out Refinance
Tap the equity in a rental you own to fund your next acquisition, qualified on the property’s income after a short seasoning period.
Short-Term Rentals
Vacation and Airbnb-style rentals qualify, often using market-rent or documented short-term revenue. Built for the modern investor.
Portfolio and Blanket Loans
Hold a stack of rentals? Finance or refinance multiple doors at once. DSCR scales with you up to $50M across a portfolio.
Rate and Term Refinance
Replace a maturing or higher-rate loan on a rental with a long-term DSCR loan, qualified on the income the property already produces.
DSCR is one of many tools I use for investors. See every option on my loan programs page, or explore my full investment property loans lineup. Need speed before a DSCR refinance? See bridge loans. Stepping up to bigger assets, look at commercial real estate loans, multi-family apartment loans, commercial term loans and construction and development. Running a business too? See my small business loans and SBA loans.
Tell Me About Your RentalDSCR Loan Guidelines Most Brokers Never Show You
Transparency builds trust. Below is a practical summary of the DSCR loans I actually place. I am not a bank and I do not push one-size paper … I work a private network of non-QM and portfolio lenders so the property’s income, not your tax return, drives the approval. Final terms depend on the rent, the DSCR ratio, your credit and lender underwriting.
| Scenario | Typical LTV | DSCR / Credit | Best For |
|---|---|---|---|
| Purchase | Up to 75% | 1.0 min, 660+ FICO | Buying a cash-flowing rental |
| Rate and Term Refi | Up to 75% | 1.0 min, 660+ FICO | Locking a long-term rate |
| Cash-Out Refi | Up to 70% | 1.0 to 1.25 | Pulling equity to scale |
| Short-Term Rental | Up to 70% | 1.0 to 1.25 | Airbnb and vacation rentals |
| No-Ratio / Lease-Up | Lower LTV | Below 1.0, stronger file | Properties that don’t yet pencil |
Swipe to see all columns β
DSCR loans qualify on the property’s rental income rather than your personal income, so no W-2s or tax returns are required. Rates generally start around 7% and run higher with lower ratios, lower credit or higher leverage; cash-out and short-term-rental deals are typically sized a bit lower. Loan range $100K to $50M, terms 12 months to 30 years, 1-4 unit residential plus condos, townhomes and qualifying short-term rentals. Final leverage, ratio, rate and structure depend on the property, your credit and lender underwriting. This is not a commitment to lend.
Close in About 2 to 3 Weeks. No Tax Returns.
No income docs means faster underwriting. Here is how I move your DSCR file while you keep hunting for the next deal.
Send the Property
The address, the purchase or refinance, the rent or market rent and your credit range. No pay stubs needed.
I Run the DSCR
I check whether the rent covers the payment and match your DSCR loans file to the lender most likely to fund it.
Appraisal and Rent Schedule
The appraisal includes a market-rent schedule that confirms the income the property produces or can produce.
Close and Scale
You close in about 2 to 3 weeks and move on to the next door, with no cap on how many you own.
Who These DSCR Loans Are, and Are NOT, For
I qualify deals honestly so neither of us wastes time. DSCR rewards cash-flowing rental property, so I am straight with you up front. If you’re on the left, call me today.
β This IS for you ifβ¦
- βYou’re buying or refinancing a non-owner-occupied rental.
- βThe rent covers the payment, or nearly does.
- βYou’re self-employed or your tax returns hide your real income.
- βYou want to scale past the 10-property conventional cap.
- βYou have a 660+ FICO and the deal is $100K or larger.
π« This is NOT for you ifβ¦
- βYou want to live in the property … DSCR is investment-only.
- βThe rent falls well short and you have no reserves or no-ratio fit.
- βYou want a conventional owner-occupied rate … DSCR runs a premium.
- βYou want 100% financing with no down payment.
- βYou need under $100K … a smaller program fits better.
Tell Me About Your Rental
Sixty-second DSCR loans application. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your DSCR loans request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent DSCR Loans From My Desk
A snapshot of the DSCR loans I close. Every deal is different, yours starts with a conversation.
$420K Β· SFR, Door 11, NC
Qualified on rental income past the conventional 10-property cap, no tax returns used.
$1.8M Β· 6-Door Portfolio, TX
Blanket DSCR refinance across six rentals into one long-term loan at conservative leverage.
$610K Β· Short-Term Rental, FL
Vacation rental qualified on documented short-term revenue, cash-out to fund the next buy.
How I Structure DSCR Loans That Actually Close
Most brokers quote a rate and disappear. I structure DSCR loans around the property’s cash flow, your credit and your portfolio goals, then match the file to the lender most likely to fund it at the best terms. As an investor myself, I know the difference between a deal that pencils and one that just looks good on a flyer.
The whole point of a DSCR loan is that the property qualifies, not you. A conventional lender wants two years of tax returns, and if you are self-employed or write off heavily, those returns make your income look small, even when your real cash flow is strong. DSCR loans flip that. The lender looks at the rent the property produces against the payment it carries. If that ratio works, the loan works, no matter what your 1040 says. That is why DSCR loans have become the default tool for serious investors.
Here is the honest difference. A bank runs you through one rigid box, caps you at ten financed properties and slows you down with paperwork. I work a private network of non-QM and portfolio lenders, so your DSCR loans get shopped to the program that fits the deal, with no cap on how many doors you own. The premium over a conventional rate is real, and I will never hide it … but for an investor who needs speed, privacy and scale, that premium buys all three.
So the strategy is simple: let the property do the qualifying, keep your tax returns out of it, and scale without the conventional ceiling. I will tell you straight whether the deal pencils at a standard 1.0 ratio or whether a no-ratio structure fits better, because the wrong loan stalls your portfolio and the right one compounds it. Every deal is built around your property and your plan, not a one-size box. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What is a DSCR loan?
How does the DSCR ratio work?
What credit score and down payment do I need for DSCR loans?
Can I use a DSCR loan for an Airbnb or short-term rental?
Is there a limit on how many DSCR loans I can have?
What does it cost to work with you?
A DSCR Loan Advisor Who Invests in Real Estate Too
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, and a real estate investor myself, not a banker. I help investors scale portfolios on the property’s income, and I review every DSCR loans file personally. I’m not a bank and I don’t push one-size paper … I shop your deal across a private network of non-QM and portfolio lenders to find the structure that lets the rent do the qualifying. For independent context, see the U.S. Census Bureau rental housing data and the Federal Reserve interest rate data.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm. I arrange DSCR loans when you actually need them … qualify on rental income with no tax returns, $100K to $50M, up to 75% LTV, rates from about 7%, no cap on properties, and a same-day callback from a broker who invests in real estate himself.
Loan amounts, leverage, ratios, rates and timelines shown are typical ranges, not guarantees. *DSCR loan rates generally start around 7% and run higher with lower DSCR ratios, lower credit or higher leverage; your final rate is calculated on the strength of the whole application, including the property, the rent, your credit and reserves, so apply for a free no-obligation quote. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed to you before you commit, and is separate from any compensation to me. DSCR loans are for non-owner-occupied investment property only. Up to 75% LTV applies to qualifying purchases; cash-out, short-term-rental and no-ratio structures are typically sized lower. Final leverage, ratio, rate and structure depend on the property, your credit and lender underwriting. This is not a commitment to lend.