DSCR, Investment Property Loans

(Investment Property only, not Primary Residence)

Qualify with Rental Income — No Tax Returns Needed

  • Serving Residents for Over 15 Yrs

  • Top Rated DSCR Lender

  • As Low as 10% Down Payment, 85% LTV

  • Up to 30 Year Repayment Period

  • No traditional income verification

Start Your DSCR Qualification

No W2s • No Tax Returns • No Impact to Credit Score

Investment Property State?*
Loan Amount Desired*
Credit Score Estimate*
Investment Loan Purpose*
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Why Choose Debt Service Coverage Ratio Loan

Why Get a DSCR Loan with Loan Factory

At Loan Factory, we are committed to helping you succeed. Our intuitive platform, backed by advanced technology, ensures a transparent and efficient process for you and your borrowers. With a dedicated support team and a deep understanding of the Non-QM market, we are here to help you close more deals faster.

  • Real Estate Investors: Borrowers looking to expand their investment portfolio without relying on personal income documentation.

  • New Investors: Those entering the market who prefer a cash-flow-based qualification.

  • Seasoned Investors: Clients seeking to refinance or cash-out for additional property acquisitions.

  • Self-Employed Borrowers: Individuals with complex income structures who want a simpler qualification process.

  • Portfolio Owners: Investors managing multiple properties looking for a streamlined way to access equity or finance new investments.

Loan Factory | DSCR Calculator

DSCR Calculator Loan Factory

Debt Service Coverage Ratio
$
Total yearly rent before expenses
%
Typical range: 3% – 8%
$
Property taxes, insurance, HOA, maintenance
$
📈 Interest Rate 6.25%
Annual rate for mortgage payment
yrs
Debt Service Coverage Ratio (DSCR)
1.52
✅ Lender-friendly (≥1.25)
Minimum typical requirement: 1.00x
📊 Net Operating Income (NOI) $94,200
🏦 Annual Debt Service (P&I) $29,629
💰 Monthly Mortgage Payment $2,469
Effective DSCR 1.52x
DSCR = Net Operating Income ÷ Total Annual Debt Service
Higher ratio = stronger debt coverage capacity.
🏭 Loan Factory underwriting standards — DSCR ≥ 1.25 typically qualifies for optimal financing. Results are estimates based on standard mortgage formulas.

Loan Features

DSCR Loan Highlights

At Loan Factory, we prioritize what matters most for real estate investors — the property’s rental performance.

Key Details

No Tax Returns or W-2s Required

Qualify Based on Cash Flow

Scale Beyond 4-Plexes

Use Refinance Cash for Your Next Deal

Dedicated programs for Foreign Nationals and ITIN holders

Access specialized financing for 5-10 unit residential

Airbnb & Short-Term Rental Friendly

Maximize Cash Flow with Interest-Only

Zero Employment Verification

Global Access for International Investors

Ready to Take the Next Step?