The Property Qualifies. You Don't Have To.
DSCR lending measures the deal, not your paycheck: rental income covers the payment, and the file stands on the property's own numbers.
DSCR, Plainly.
A Debt Service Coverage Ratio loan asks one question: does the property's rent cover the payment? If the ratio clears the program's threshold, the deal qualifies on its own numbers. Your personal tax returns never enter the file.
Short-Term Rental Income.
Many programs credit projected or historical short-term rental income for eligible properties in eligible markets, based on defensible market data. The right structure treats the STR revenue as what it is: real cash flow.
The 2-to-9-Unit Middle.
Duplex to nine-unit buildings are the overlooked engine of private real estate: too many doors for a standard conventional loan, too few for commercial. This wing is fluent in that middle and structures approvals around it.
Portfolio Growth, LLC Vesting.
Entity vesting (LLC, series LLC, and similar structures) is welcome in most programs, with a personal guaranty. The next door is judged on its own numbers, not your existing portfolio's conventional financing count.
Fix and Flip, Its Own Discipline.
Short-term purchase-plus-rehab financing runs on different rails: ARV ceilings, staged draws, and speed measured in days. It has its own page here.
An investor finds a fourplex where the combined rents comfortably clear the projected payment. Personal tax returns never enter the file. The property's own ledger carries the approval, the title vests in the LLC, and the next deal starts from the same playbook.
Illustrative example; every scenario differs.
Your buyer doesn't need a W-2 to close this. If you carry 2-to-9-unit listings, this page is the difference between a looker and a closer.
Program availability, terms, and qualification vary by scenario.
Find Out in 60 Seconds Where Your Path Starts.
60 seconds. No credit pull. No commitment.