Investor financing that qualifies on rent, not your W-2.
DSCR loans use your property's rental income to qualify — no tax returns, no W-2s, no DTI. Built for serious investors scaling a rental portfolio.
- No income docs. Qualify on the property's debt-service coverage ratio.
- 21-day average close. Faster than any conventional lender.
- Unlimited properties financed. No portfolio cap. LLC vesting available.
- 30-year fixed, interest-only, ARM. Structure terms around your strategy.
DSCR Loan Requirements & Eligibility
These are the standard qualification guidelines used to evaluate DSCR rental property loans. Final terms vary based on property cash flow and investor profile.
Credit is reviewed but income documentation is not required.
Flexible financing for both small and large rental portfolios.
High leverage options for acquisition and refinance strategies.
Long-term financing designed for stable rental income strategies.
SFR, condos, townhomes, duplexes, and up to 11-unit properties.
Investors can refinance or acquire without waiting periods.
Why Choose LGV Capital for DSCR Loans
LGV Capital works with investors who are actively acquiring, refinancing, and scaling — offering DSCR loan options that support real portfolio growth, not one-off transactions.
Finance single-family and small multifamily rentals on lease income alone
LTR DSCR loans are underwritten on your executed lease or market rent — whichever is higher. No W-2. No tax history. The lease is your income verification.
Airbnb and VRBO financing that banks won't touch — LGV Capital will
Most banks decline short-term rental loans outright. LGV Capital underwrites STR income using AirDNA market projections or trailing 12-month platform data — whichever supports your deal.
Scale into 2–11 unit properties without personal income holding you back
Multifamily DSCR loans are underwritten on the combined rental income across all units. More doors means more income — and a stronger DSCR ratio to qualify on. LGV Capital lends on properties up to 11 units.
Pull your equity out fast — no seasoning required, no income docs needed
The BRRRR strategy only works if you can refinance quickly. LGV Capital's DSCR cash-out refinance has no seasoning requirement — meaning you can refinance immediately after stabilizing, not 6–12 months later.
Maximize monthly cash flow with interest-only DSCR financing
Interest-only DSCR loans lower your monthly debt obligation — which improves your DSCR ratio and maximizes net cash flow during the IO period. Ideal for investors optimizing monthly returns while holding for appreciation.
LGV Capital vs. Bank DSCR Loans
| Factor | LGV Capital DSCR Loan | Bank DSCR / Portfolio Loans |
|---|---|---|
| Qualification basis | Property cash flow only | DSCR + personal financials |
| Income verification | No tax returns or W-2 needed | 2 years returns required |
| Minimum DSCR | As low as 0.75 | Typically 1.20+ |
| Time to close | ~2–3 weeks | 30–60+ days |
| Entity / LLC vesting | Yes — fully supported | Rarely allowed |
| Portfolio limit | None | Often capped at 10 |
| STR / Airbnb income | Accepted with projections | Usually declined |
| Cash-out seasoning | Not required | 6–12 months typical |
| Minimum credit score | 650+ | 700+ required |
| Best for | Scaling portfolios fast | Long-term bank relationships |
For investors building something bigger.
Financing that fits into how you actually operate — across acquisitions, refinances, and everything in between.
How to apply for a DSCR loan with LGV Capital
Get approved using property cash flow, not personal income. LGV Capital qualifies DSCR loans on the property — no tax returns, no W-2s — so investors can move fast and scale.
Submit Loan Request
Provide basic property and deal details in under 2 minutes.
Property Analysis
We evaluate rental income and DSCR performance instantly.
Loan Terms Issued
Receive optimized financing options tailored to your deal.
Close & Fund
Fast closings designed for investors who move quickly.
No tax returns. No W-2s. Qualification based on the property — not you.
Common DSCR Loan Questions, Answered
A DSCR loan is an investment property loan that qualifies borrowers based on rental income instead of personal income. Lenders evaluate whether the property's cash flow can cover the mortgage payment.
Typical DSCR loan requirements include a 650+ credit score, 20–25% down payment, DSCR ratio of 0.75 or higher, and a cash-flowing investment property.
Most DSCR loans require a 20% to 25% down payment, though higher leverage options may be available depending on the deal strength.
DSCR loan rates vary based on credit score, DSCR ratio, loan-to-value, and property type. Rates change frequently, so the most accurate pricing comes from requesting a term sheet.
Most DSCR loans close in 2 to 4 weeks depending on appraisal timelines, title, and lender processing speed.
Yes. Many DSCR lenders allow short-term rental income using projections or historical data, depending on the market and property type.
DSCR is calculated by dividing rental income by total monthly debt obligations, including principal, interest, taxes, insurance, and HOA. A ratio above 1.0 means the property covers its debt.
A DSCR of 1.0 is break-even. Most lenders prefer 1.1 to 1.25 or higher for stronger approvals, better rates, and higher leverage.
No. DSCR loans do not require W-2s, tax returns, or employment verification. Approval is based on rental income and property performance.
Yes. Many lenders allow DSCR loans with credit scores starting around 650, though stronger credit profiles receive better terms and rates.
Lenders use current lease agreements or market rent determined by an appraisal to calculate rental income for DSCR qualification.
Yes. DSCR loans are commonly issued to LLCs and business entities, making them ideal for investors building rental portfolios.
Most DSCR lenders do not have a strict property limit, allowing investors to scale and acquire multiple rental properties.
Eligible properties include single-family homes, condos, townhomes, and multifamily properties used for rental income.
Yes. Investors often use DSCR loans for cash-out refinancing once a property is stabilized and producing consistent rental income.
Many DSCR loans include prepayment penalties, typically ranging from 1 to 5 years, though some lenders offer reduced or no prepay options.
Yes. Many DSCR lenders allow first-time investors as long as the property cash flows and meets minimum loan requirements.
Still have questions?
Investors who scaled without the paperwork.
"At this point I mainly care about execution and communication. LGV stayed on top of everything and the deal closed WITHOUT a bunch of back and forth. Already working on another property with them."
Funded: $890K DSCR · Long-Term Rental · Memphis, TN"I was nervous going into it because short-term rentals can get a little complicated, but the process ended up being way easier than I expected. Everyone was super responsive and kept things moving."
Funded: $540K DSCR · Short-Term Rental · Scottsdale, AZ"I've refinanced a few rentals before and this was probably the smoothest process I've had. Communication was solid, numbers matched what we discussed upfront, and we closed fast enough for me to move on the next deal without losing momentum."
Funded: $375K DSCR Cash-Out Refi · BRRRR · Indianapolis, IN