Get a DSCR Loan That Lets Your Property Cash Flow Do the Talking
No W-2s. No tax returns. Just your rental income and a smart strategy for scaling.
✅ See if you Qualify
✅ Why Choose a DSCR Loan from InvestorWise?
As a DSCR lender, we cut the red tape and fund your deals fast. No overlays. No unnecessary documentation. Just asset-based financing built for serious real estate investors.
- No personal income verification or DTI limits
- Close in an LLC or personal name
- Funding up to $3M per property
- Fixed and interest-only options
- Used for purchase, refinance, or cash-out
- Fast closings—often in 10 to 21 days
📊 How DSCR Loans Work
Your ability to qualify is based on this simple formula:
DSCR = Rental Income ÷ Loan Payment (PITIA)
(PITIA = Principal, Interest, Taxes, Insurance, and Association Dues)
If the DSCR is 1.00 or higher, it means the rental income fully covers the loan payment.
If the DSCR is below 1.00, it means the rental income falls short, and the borrower may need extra cash reserves or a larger down payment.
Example:
Rent = $2,400/month
PITI = $2,000/month
DSCR = 1.20 ✅
🧠 Who DSCR Loans Are Perfect For
- Experienced real estate investors
- BRRRR strategy and value-add buyers
- Short-term rental hosts (Airbnb/VRBO)
- Self-employed or 1099 borrowers
- Investors with 5+ doors scaling their portfolios
- Those seeking no-doc or low-doc solutions
We don’t fund primary residences. These are business-purpose loans for investment property only.
✅ See if you Qualify
📋 What You’ll Need to Apply
We keep it simple:
- Property address and rent roll or lease
- Purchase contract or refinance scenario
- Credit report (no minimum FICO, but 640+ preferred)
- 20–25% down or equivalent equity
- Bank statements or proof of reserves
- Appraisal with market rent analysis (Form 1007 or 1025)
No W-2s. No tax returns. No nonsense.
🏅 Why Investors Choose InvestorWise
🔒 Direct lender with full control over underwriting and funding
⚡ In-house decisions = faster closings
🧠 Built for investors by investors
💬 Dedicated support from experienced loan pros
📈 Flexible terms structured for your strategy
❓DSCR Loan FAQs
Financing property is an important step in reaching your investment goals. It’s normal to have questions. We’ve compiled answers to the frequently asked ones, but don’t hesitate to ask more.
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.
Yes. We lend on Airbnb and vacation rentals with rental history or market rent projections.
Absolutely. We prefer entity-based borrowers and can work with new or seasoned LLCs.
1–4 unit investment properties, including short-term rentals.
Absolutely. DSCR loans are available for purchases, rate/term refis, and cash-out refinances.
Most deals close in 10–21 days, depending on appraisal and title readiness.
✅ See if you Qualify
⚠️ Disclosures & Compliance Notes
- This is not a commitment to lend. Terms and conditions apply.
- All loan requests are subject to credit and property approval.