DSCR investment property loans qualify based on rental income — not your personal taxes, debt-to-income, or employment. Florida investors are using this strategy to scale to 25, 50, even 100+ doors.
No income docs · No hard credit pull · No obligation
Conventional loans were never designed for serious investors. Once you own a few rentals, the math stops working.
Fannie Mae and Freddie Mac cap you at 10 financed properties. Hit that number and conventional lenders shut the door — even with great cash flow and 800+ credit.
Smart investors write off everything. Conventional lenders see "low income" on your returns and decline — punishing you for being good at taxes.
Full-time investors with no W-2 job can't qualify conventionally at all. The system was built for employees — not entrepreneurs building wealth through rentals.
DSCR = Debt Service Coverage Ratio. It's a single number: the property's monthly rent divided by its monthly mortgage payment. If that number is at least 1.0, you qualify. Period.
No tax returns. No W-2s. No DTI calculation. No property count limit. Your personal income is irrelevant — what matters is whether the property cash-flows.
Purchase price, estimated rent, down payment, and your timeline. That's it — no income docs, no tax returns.
We calculate your DSCR and match you to the right lender from our network of 25+ DSCR programs.
You receive a written pre-qualification with exact rate, terms, and LTV — ready to send with offers.
2 hours from now you could have a written DSCR pre-qualification in your inbox. No personal income docs required.
Plug in your property numbers. See your DSCR ratio, tier, and what to expect — instantly.
These aren't hypotheticals. Real Florida investors who couldn't qualify conventionally and closed with DSCR.
29+ years of experience. 25+ DSCR lender relationships. Chris Galli (NMLS# 13152) personally reviews every investor scenario.
We don't push one program — we shop your scenario across the entire DSCR market to find the best rate available.
Chris Galli personally handles investor files. No call center transfers. Real cell phone access throughout your loan.
2-hour turnaround for written pre-qualification. Move on offers fast. Lock in deals while others are still waiting.
Licensed nationwide. Investing in Texas, North Carolina, Arizona? We can finance it. Florida is our home base.
Most lenders don't allow LLC vesting or STR income. Most of our lenders do. We know exactly which ones for your scenario.
Pre-qualification is free with zero obligation. We tell you exactly what you qualify for — even if the answer is "not yet."
Pre-qualification is completely free with no obligation. Soft credit pull only — zero impact to your credit. No tax returns required. We'll tell you exactly what you qualify for in 2 hours — even if the answer is "this isn't the right fit." Then you decide what to do next.
In 2 hours from now, you could have a real DSCR pre-qualification in your inbox showing exactly what rate, LTV, and terms you qualify for. Or close this tab and miss the deal.