Qualify on the property's cash flow.
A Debt Service Coverage Ratio (DSCR) loan is designed for real estate investors who want to qualify based on a property's cash flow rather than personal income. No W-2s, no tax returns — just the property's ability to perform.
Flexible financing for real estate investors.
Designed specifically for investors at every level — from first-time buyers to seasoned portfolio owners.
Quicker Closing Times
Streamlined approval process. Close faster and secure deals with confidence.
No Income or Job History Verification
Qualify based on property performance — no W-2s or tax returns needed.
No Limit on Number of Properties
Build your portfolio without restrictions. Finance an unlimited number of investment properties.
Loan Amounts Up to $3,000,000
Substantial financing power for single-family, multi-family, and portfolio acquisitions.
As Little as 15% Down Payment
Preserve capital with lower down payment requirements.
LLC or Corporate Vesting
Borrow directly in the name of your business entity for liability protection.
Designed specifically for investors.
Speed, flexibility, and a focus on the property — not on your tax returns.
Unlimited Cash Out
Access your equity without restrictions, ideal for scaling your investment portfolio.
- No limit on cash-out amounts
- Use funds for renovations or new acquisitions
- No reserves required on cash-out loans
Interest-Only Option
Maximize monthly cash flow with interest-only payment structures.
- Lower monthly payments
- Improve DSCR calculation
- Ideal for short-term rental investors
Airbnb & Short-Term Rentals
Both long-term and short-term rentals are eligible, including Airbnb, VRBO, and vacation properties.
- No rental history restrictions
- Projected income accepted
- Seasonal rentals qualify
Everything you need to know to qualify.
DSCR Program 1-4 Unit
Qualify based on property cash flow, no personal income verification required.
Loan Specifications
- Loan Amounts Up to $3,000,000
- Property Types 1-4 unit, condos, townhomes
- Maximum LTV Based on DSCR ratio
- Minimum Credit Score 660
- DSCR Requirement Typically 1.0+
- Interest-Only Options Available
Vesting & Qualification
- Vesting: LLC, Corporation, or Individual
- No Personal Income Verification
- Qualify Based on Property Cash Flow
- Business-Purpose Loans Only
- Ideal for Real Estate Investors
- No Limit on Number of Properties
At-a-glance numbers.
Helping a first-time developer build their dream investment.
Real results from real clients. OptionOne delivers from start to finish — structuring DSCR financing for new investors who'd otherwise be turned away by conventional banks.
- $2.4M purchase, 4-unit multi-family
- Closed in 21 days, vested in LLC
- Interest-only first 5 years to maximize cash flow
- Cash-out refi after stabilization, 6 months later
Three reasons investors choose us.
No Personal Income Verification
Unlike conventional loans that require W-2s and tax returns, DSCR loans focus solely on the property's ability to generate income. Perfect for self-employed investors and those with complex tax situations.
LLC and Corporate Vesting
Borrow directly in the name of your business entity. This provides liability protection and simplifies your investment structure — without requiring personal guarantees in many cases.
No Reserves on Cash-Out
For cash-out refinances, no reserve requirements. For purchase or rate/term refinance, 6 months of reserves are typically required unless DSCR ratio is less than 1.
Frequently asked questions.
A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers based on the property's rental income rather than personal income. Lenders calculate the ratio by dividing the property's gross rental income by the total mortgage payment. A DSCR of 1.0 means the property generates exactly enough income to cover the payment.
Most DSCR programs require a minimum credit score of 660. Higher credit scores may qualify for better rates and terms.
Yes. Both long-term and short-term rentals are eligible, including Airbnb, VRBO, and seasonal vacation rentals.
Down payments start as low as 15% for investment properties. Purchase, rate/term refinance, and cash-out refinance are all available.
No. There is no limit on the number of financed properties. DSCR loans are designed for investors scaling their portfolios.
No reserves are required on cash-out loans. For purchase or rate/term refinance, 6 months of reserves are typically required unless the DSCR ratio is less than 1.
Yes. Interest-only options are available. This allows investors to maximize monthly cash flow and improve the DSCR calculation.
Ready to finance your next investment property?
No personal income verification. Close in days. Scale your portfolio without limits.