Nationwide
DSCR Loans
for Real Estate Investors
No Tax Returns Required.
Qualify Based on Rental Property Cash Flow.
Close in as Little as 15 Days.
we make
ownership
happen
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Why Choose Us
WE’RE TRANSPARENT
No W2s. No tax returns. No unnecessary paperwork.
With DSCR financing, we use the rental income — not your personal income — to qualify. You’ll know exactly how the property cash flow supports the loan so you can move forward confidently.
Clear structure. Clear expectations. No surprises at closing.
Use the rental income. Get it done. Then onto the next one.
WE’RE HELPFUL
Not all DSCR loans are the same and most lenders won’t explain the difference.
We offer tailored DSCR applications based on your investment strategy:
• Long-term rental DSCR
• Short-term rental (Airbnb) DSCR
• Cash-out refinance options
• Portfolio expansion financing
• LLC vesting options (where eligible)
More strategy. More loan types. More ways to scale.
Best Home Guarantee
Speed matters in investing and so does clarity. We’re built for:
• Fast underwriting decisions
• Clear communication from start to finish
• Efficient document review
• Closings in as little as 21 days (program dependent)
Get clarity faster. Close fast.
Move on to the next deal without stress.
Investor-first financing. Nationwide.
Why Choose Us
WE’RE TRANSPARENT
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WE’RE HELPFUL
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Best Home Guarantee
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We will help you structure the right DSCR loan solution
We will help you find the best mortgage solution — built around your goals, not a one-size-fits-all approval box. Whether you're purchasing, refinancing, scaling an investment portfolio, or accessing equity, we analyze your full scenario to structure the right program for you. From DSCR and conventional to FHA, jumbo, bank statement, and cash-out options, we focus on matching the loan to your strategy, timeline, and long-term plans.
Our process is simple, clear, and designed for speed. We break down your numbers, explain your options in plain language, and guide you from application to closing without confusion or unnecessary delays. The goal isn’t just to get you approved — it’s to position you properly, close efficiently, and help you move forward with confidence.
We will help you find the best mortgage solution
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our corporate partners
Run your DSCR scenario today and see how much leverage your rental property can support.
Contact us to see how we can save
or grow your money
Who This Is For
This DSCR program is built specifically for real estate investors who want to scale without using personal income to qualify.
• Portfolio investors building or expanding multiple rental properties
• BRRRR investors refinancing stabilized properties to pull equity and reinvest
• Short-term rental owners operating Airbnb or vacation rentals
• LLC investors structuring properties under business entities
If you’re focused on cash flow, leverage, and long-term portfolio growth — this was built for you.
Grow & Protect
Your Wealth
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No income verification
Qualify based on the property’s rental income — not your W2s, pay stubs, or personal debt-to-income ratio. The loan is structured around the asset’s cash flow performance.
No tax returns required
Skip the traditional income documentation. DSCR loans do not require personal or business tax returns for qualification, simplifying the process for full-time investors and self-employed borrowers.
LLC vesting allowed (where eligible)
Purchase or refinance in the name of your LLC to maintain liability protection and portfolio structure. Many DSCR programs are designed specifically for investor-owned entities.
Short-term rental options available
Own Airbnb or vacation rentals? Select DSCR programs allow short-term rental income to be used for qualification, based on market rent or rental history (program dependent).
Cash-out refinance available
Tap into your equity to fund your next purchase, renovate another property, or restructure existing debt — while keeping your long-term rental strategy intact.
Up to 80% LTV (program dependent)
Maximize leverage with competitive loan-to-value options based on property type, credit profile, and DSCR ratio — allowing you to preserve capital for your next deal.
No Deposit Home Loan
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Home Equity Loan
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Refinance Home Loan
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Commercial Property Loan
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Bridging Loan
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Line Of Credit
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Trusted by investors nationwide.
Built for speed, structure, and scale.
AREG made the process simple and transparent.
They walked me through every option, explained the numbers clearly, and closed faster than I expected. Highly recommend.
- J.R., TX
No pressure. Just strategy.
They told me when a refinance didn’t make sense — that level of honesty builds trust.
- M.L., FL
Investor-friendly and efficient
My DSCR refinance was smooth and structured correctly. They understand rental property financing.
- S.D., CA
Frequently Asked Question
What is a DSCR loan?
A DSCR loan qualifies you based on rental income and property cash flow — not personal income.
Can I close in an LLC?
Yes, many DSCR programs allow LLC vesting depending on state and guidelines.
Do I need tax returns?
No tax returns are required for DSCR qualification.
Can I do a cash-out refinance?
Yes. Cash-out options are available based on equity and program guidelines.
What client say about us
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Darcel Ballentine
Barone LLC.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry's standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled.
Leatrice Handler
Acme Co.
Contact Us To See How
We Can Save Or Grow
Your Money
Qualify on cash flow.
Close fast.
Move to the next deal.
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