$2,450,000
DSCR Portfolio Loan
A tech executive turned real estate investor. We structured a DSCR approval at 80% LTV through our portfolio lender network — no personal income documentation needed.
North Hills
Loan Program
DSCR Loans
Qualify based on your property's rental income — not your personal income. Built for investors who want to move fast, scale a portfolio, and skip the tax-return paperwork.
2 minutes
No SSN required
Free, no obligation
Program Highlights
Why Investors Choose DSCR1.0+
DSCR Ratio Typically Required
Most of our DSCR programs look for a ratio of 1.0 or higher — meaning the property's rent covers its own payment. Ratios below 1.0 can often still work through no-ratio or other non-QM programs.
0
Personal Income Docs Needed
No W-2s, no tax returns, no pay stubs. Approval is based on the subject property's rent versus its monthly debt service — ideal if your tax returns don't reflect your real earning power.
50
States We Lend In
Whether you're buying your first rental or refinancing a multi-property portfolio, our DSCR programs are available to investors nationwide, not just in North Carolina.
Who It's For
Built for Investors, Not W-2 Employees.
DSCR loans are purpose-built for borrowers whose value isn't captured on a pay stub — real estate investors, Airbnb and short-term rental owners, self-employed borrowers, and clients scaling a rental portfolio one property at a time.
Program Requirements
What You'll Typically Need.
Every lender's overlay is a little different, but these are the common building blocks of a DSCR approval.
620+ credit score
LLC purchases allowed
Short-term & Airbnb rentals okay
Interest-only options available
Cash-out refinance eligible
Loans from $500,000 up to several million
Free Tool
Open the Calculator
Run Your Numbers First
Use the DSCR calculator to estimate your ratio, monthly payment, and total debt service before you apply — takes under a minute.
A Deal We Closed
Success Stories
FAQ
DSCR Loan Questions
Can't find your answer? Reach out directly — we're happy to talk through your specific situation at no charge.
Contact UsA DSCR (Debt Service Coverage Ratio) loan qualifies you based on the rental income of the property — not your personal income. Ideal for investors building or refinancing a portfolio anywhere in the country.
Most programs look for 1.0–1.25 or higher, meaning the rent covers or exceeds the monthly payment. A ratio below 1.0 doesn't automatically disqualify you — several of our lenders offer no-ratio or low-DSCR programs specifically for that scenario.
Yes. We work with lenders who underwrite based on actual short-term rental performance (Airbnb, VRBO) rather than only long-term market rent estimates.
No. DSCR loans specifically avoid personal income documentation — approval is based on the subject property's rental income relative to its debt service.
Yes, LLC and entity-vested purchases are permitted on nearly all of our DSCR programs, which is common for investors separating liability across properties.