No Income Verification
Qualification is based on the property's rental income, not your W-2s, tax returns, or employment history. Perfect for self-employed investors.
DSCR Loans MadeSimple
Skip the income verification. Get approved based on your property's cash flow. Fast funding for serious real estate investors.
No Income Verification
Close in 10-14 Days
Up to $5M
Why DSCR Loans Are Perfect forReal Estate Investors
Debt Service Coverage Ratio loans focus on your property's income potential, not your personal finances.
Fast Closings
Close in as little as 10-14 days. Streamlined underwriting process means you can move quickly on investment opportunities.
Scale Your Portfolio
No limit on the number of properties. Build your real estate empire without being constrained by conventional loan restrictions.
$2.5B+
Loans Funded
15,000+
Happy Investors
12 Days
Avg. Close Time
4.9★
Customer Rating
Our Loan Programs
Flexible financing solutions for every type of real estate investment strategy.
DSCR Loans
Starting at 5.749%
Competitive rates for qualified borrowers
- No income verification required
- Up to $5,000,000 loan amount
- 75% LTV up to $1.5M
- 30-year amortization
Fix & Flip
8.50% - 12%
Short-term renovation financing
- Purchase + rehab in one loan
- Up to 90% purchase + 100% rehab
- Interest-only payments
- 12-month terms
Commercial
6.25% - 9.50%
Large multifamily & commercial
- $1M - $50M+ loan amounts
- Apartments, office, retail
- Up to 80% LTV
- 25-30 year amortization
How It Works
Get from application to funding in as little as 10 days with our streamlined process.
1
Apply Online
Complete our simple application in 2 minutes. No lengthy paperwork or documentation required upfront.
2
Get Pre-Approved
Receive your pre-approval within 24-48 hours. Shop with confidence knowing your financing is ready.
3
Submit Property
Found your property? Upload the purchase contract and rental analysis. We'll handle the rest.
4
Close & Fund
Close in 10-14 days and get your funds. Start building your real estate portfolio immediately.
What Our Clients Say
Real investors sharing their success stories with our DSCR loan programs.
"I've closed 12 properties in the last 18 months using DSCR loans. The no-income verification process is a game-changer for self-employed investors like me."
Michael Rodriguez
Real Estate Investor, Miami
"Loan Daddy helped me scale from 2 properties to 15 in just 2 years. Their team understands investors and makes the process incredibly smooth."
Sarah Chen
Portfolio Investor, Austin
"The 12-day close time saved me a deal that was about to fall through. Their responsiveness and expertise are unmatched in the industry."
David Thompson
Fix & Flip Investor, Phoenix
Frequently Asked Questions
Get answers to the most common questions about DSCR loans
What are DSCR loans and how do they work?
DSCR (Debt Service Coverage Ratio) loans are real estate investment loans that qualify borrowers based on the property's cash flow rather than personal income. The lender evaluates whether the rental income can cover the mortgage payments, typically requiring a DSCR of 1.0 or higher.
Do DSCR loans require income verification?
No, DSCR loans do not require traditional income verification such as W-2s, tax returns, or employment verification. Qualification is based solely on the investment property's rental income potential and your credit score.
How fast can I close on a DSCR loan?
DSCR loans typically close in 10-14 days due to the streamlined underwriting process. Since there's no income verification required, the approval process is much faster than traditional investment property loans.
What is the maximum loan amount for DSCR loans?
DSCR loan amounts can go up to $5,000,000 depending on the property value and your qualifications. There's no limit on the number of properties you can finance with DSCR loans.
What credit score do I need for a DSCR loan?
Most DSCR loan programs require a minimum credit score of 640-680, though some lenders may accept scores as low as 620. Higher credit scores typically qualify for better interest rates and loan terms.
Ready to Scale Your Portfolio?
Join thousands of successful real estate investors who trust Loan Daddy for their financing needs. Apply today and get pre-approved in 24 hours.