Unlock More Rental Properties With Debt Service Coverage Ratio (DSCR) Loans – No Income Verification Required!
Share some basic details about your investing goals
Our mortgage professionals will guide you through the process
Close on your loan and get the funding fast!
We use a simple formula:
DSCR = Monthly Rent ÷ Monthly Loan Payment (PITI)
If your rental income covers the mortgage, you’re likely approved. No W-2s, no DTI calculations, no tax returns.
No Minimum DSCR
Loan amounts: $150K to $3M+
Terms: 30-year fixed or interest-only options
Timeline: Close in as little as 10–21 days
At InvestorWise Home Loans, we’re a leading alternative funding solution provider offering DSCR-based mortgages for investors purchasing or refinancing U.S. rental properties. We fund deals based on the property—not your job history or tax returns.
Whether you’re scaling a short-term rental portfolio, pulling cash out of a long-term hold, or investing from abroad, we make the process simple, fast, and investor-first.
InvestorWise is trusted by investors across the U.S. and around the world
It’s normal to have questions when financing a home or other property. We’ve answered some of our frequently asked questions to help guide you.
No. We offer DSCR loans that rely on the property’s rental income—not your personal income, W-2s, or tax returns.
Yes. We specialize in Foreign National DSCR loans—no SSN or U.S. credit history required.
While most companies require a DSCR of 1.0 or higher, at Investorwise Home Loans we don’t have a minimum DSCR giving us more flexibility to get you funded.
No. We only provide business-purpose loans for non-owner-occupied investment properties.