Buy your next rental on its rent, not your tax returns
DSCR loans qualify on the property's rental income. Answer a few quick questions to see if your deal fits. About 60 seconds, no credit pull.
Qualify on the property's rental income
No tax returns, W-2s, or pay stubs
First-time investors welcome
Close in an LLC or your personal name
No hard credit pullAbout 60 secondsTalk to a real loan officer
6.375%*Rates from
80%Max loan-to-value
~30 daysTypical close
30 · 40 · I/OYear terms or interest-only
$50K–$3MLoan amounts
Is it a fit?
Credit score 680 or higher
20% down and 6 months of reserves
Existing 1–4 unit rentals: single-family, condo, townhome, or 2–4 units, not owner-occupied
First-time investors welcome. No seasoning requirement.
Buying several? Blanket loans are available.
Not eligible: mobile or manufactured homes, ground-up construction, and buildings with 5 or more units.
Run the numbers on your rental
See your estimated DSCR, loan amount, and payment before you talk to anyone.
Why investors buy with DSCR
The rent does the qualifying
We compare the property's rent with its payment. Your personal income and tax write-offs don't hold you back.
Built to grow a portfolio
Finance your 2nd rental or your 20th. Close in an LLC to keep things separate.
Terms that fit the deal
30-year, 40-year, or interest-only, with optional prepayment terms.
You'll talk to Didio, not a call center
Didio Medeiros
Co-founder
More than ten years in lending, at major banks and top brokerages, before starting The Lending Market. Known for finding a way to get tricky investor deals closed.
Rafik Issabeigi
Co-founder
More than 20 years in the mortgage business, focused on doing things straight and keeping the process simple.
Not listed? We lend in other states case by case. Call (888) 222-9607.
Common questions
Do I need tax returns or pay stubs?
No. A DSCR loan qualifies on the property's rent compared with its monthly payment (principal, interest, taxes, insurance, and any HOA).
What DSCR do I need?
Many programs look for 1.0 or higher, meaning the rent covers the payment. Some allow lower with more down. We'll tell you which fits your deal.
How much do I need to put down?
Plan on 20% down plus about 6 months of payments in reserves.
How fast can I close?
About 30 days is typical, depending on the appraisal and title.
Can I close in my LLC?
Yes. Most investors close in an LLC. You can also close in your personal name.
Will this hurt my credit?
No. The questions above don't pull credit. We only pull credit later, with your OK.
What's the difference between a DSCR loan and a regular mortgage?
A regular mortgage qualifies you on your personal income and debts. A DSCR loan qualifies the property on its rent, so self-employed investors and people with several rentals often find it easier.
Can I use a DSCR loan for a short-term rental?
Often, yes. Short-term rentals are reviewed case by case. Tell us about the property and we'll check which programs fit.
