No hard pull
LLC Investor
Buying through an entity, protecting assets
Owns three SFRs through a Delaware LLC. Great cash flow, thin W2. Every conventional lender has said no — not because the deals are bad, but because the system isn't built for them.
NOW FUNDING IN 38 STATES
The loan that reads
the rent roll, not your W2.
DSCR loans let the property qualify itself. No income docs, no DTI, no employment check — just the cash flow. Drop an address and see your rate in 60 seconds.
DSCR Loan
No hard pullNo W2No DTI
AI ModeNo hard pullNo W2No DTI60s to a term sheet
The DSCR scale
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It's the number that tells a lender whether a rental property can pay for itself.
The formula is simple: Monthly Rent ÷ Monthly PITIA. If the property earns more than it costs, it qualifies — regardless of who owns it, what they earn, or what their W2 says.
Because DSCR loans are business-purpose loans made to entities (your LLC), they sit outside the consumer mortgage rulebook. No TRID. No RESPA. No DTI. That's how we can quote your rate on screen in 60 seconds.
1.32x
StrongProperty earns well above its cost. Qualifies easily.
1.10x
QualifyingAbove 1.1x — eligible. Rate may be slightly higher.
1.00x
BorderlineBreak-even. No-Ratio option may apply.
0.85x
Below 1.0xProperty costs more than it earns. No-Ratio or STR income considered.
Who it's for
Built for serious operators.
Not your first home. Not a weekend cabin. This product exists for people who own rental properties through entities and need capital that keeps up with them.
Portfolio Builder
Scaling past the 10-loan conventional ceiling
Hit the Fannie Mae 10-loan limit two years ago. Has been buying cash, needing a DSCR lender who can underwrite deal 11, 12, and 20 with no personal income check.
Out-of-state Buyer
Buying in markets they don't live in
Based in California, buying in Georgia and Florida for the cash flow. Needs a lender who doesn't require them to bank locally, appear in person, or explain their rental income on a form.
The rent-comps hook
How we calculate
your DSCR.
You drop an address. We don't ask you to fill out a rent estimate form or upload a lease. Our AI pulls the rent comps for that specific property automatically.
Live example — 142 Oak Ridge Dr, Atlanta GA
Market Rent Est.
$2,340/mo
Monthly PITIA
$1,773
DSCR Ratio
1.32x
Rate Quoted
7.99%
45 seconds
Drop the address
One field. We pull the parcel, rent comps, and market trend automatically.
Instant
AI calculates DSCR
60 seconds total
Rate, points, PITIA on screen
Day 14
Close
Transparent pricing
Rates & terms.
No teaser rates. No bait-and-switch. Your live quote reflects today's pricing — you see the exact rate, points, and payment before you talk to anyone.
| Parameter | Range / Options | Notes |
|---|---|---|
| Loan Amount | $100,000 – $5,000,000 | Small balance multi available |
| LTV | Up to 80% (purchase) | Up to 75% (refi) | DSCR ≥ 1.25x for max LTV |
| DSCR Minimum | 1.0x | 0.75x (No-Ratio) | No-Ratio available at lower LTV |
| Loan Term | 30yr Fixed | 5/1 ARM | 7/1 ARM | Interest-only period available |
| Prepay Penalty | None | 3yr | 5yr | Longer prepay = lower rate |
| Borrower Type | LLC | Individual | Foreign National | LLC is the default & preferred |
| Property Types | SFR | 2–4 unit | 5–10 unit | Condo | Warrantable and non-warrantable condos |
| Occupancy | Non-owner occupied only | Investment / rental properties only |
| Origination | 1.0 – 2.0 pts | Reflected in live quote |
| Reserves | 6 months PITIA | Liquid assets, verified |
Rates are indicative and subject to change. Your live quote reflects current pricing at time of quote.
Honest comparison
DSCR vs. conventional. Who wins where.
DSCR
Conventional Mortgage
Income qualification
Property cash flow
W2 / tax returns required
DTI calculation
Not required
Required — caps leverage
Entity borrower (LLC)
Default & preferred
Not allowed on most products
Loan count ceiling
No limit
10 loans (Fannie Mae)
Rate quote speed
60 seconds, on screen
3-day TRID wait
Close timeline
Median 14 days
45+ days typical
STR / Airbnb income
Eligible with AirDNA
Generally not accepted
Common questions
DSCR loan FAQ.
LLC is strongly preferred and our default structure. Individual borrowers are eligible in most states; foreign nationals must vest through a U.S. LLC.
From the blog
Keep reading
DSCR basics
What every LLC investor needs to know about DSCR before their first deal
From the ratio formula to rate drivers, prepay trade-offs, and why DSCR beats conventional for portfolio builders — a complete operator's guide.
DSCR basics
DSCR vs. conventional: the honest comparison
Where DSCR wins, where it doesn't, and how to decide which product is right for your specific deal.
DSCR basics
Interest-only DSCR: when IO makes the deal work and when it doesn't
IO can turn a 0.94x deal into a 1.18x deal. But it costs you amortization. Here's how to model whether IO is worth the rate premium.
Drop the address. We'll do the rest
Sixty seconds to a real indicative term sheet. Fourteen days to a closed loan. The property does the qualifying.
No W2No DTINo hard pull14-day close
No W2