Buyer's Guide
Best DSCR Lender With No W-2
A guide to DSCR loans that require zero personal income documentation — and who they actually help.
A no-W-2 DSCR lender is one thatqualifies investment property loans entirely on the property's rental income, with no W-2 forms, no tax returns, no pay stubs, no employment verification, and no DTI calculation. Get Brick Capital has originated DSCR loans on these terms since 2021 and qualifies self-employed investors, retirees, foreign nationals, and write-off-heavy borrowers that conventional lenders decline.
What Documents a DSCR Loan Requires (and Doesn't)
| Document | Conventional Loan | Get Brick DSCR |
|---|---|---|
| W-2 forms | Required | Not required |
| Federal tax returns | Required (2 years) | Not required |
| Pay stubs | Required | Not required |
| Employment verification | Required (VOE) | Not required |
| DTI calculation | Required (typically <43%) | Not calculated |
| Schedule E rental income | Required | Not required |
| Personal income statement | Required | Not required |
| Property rental income | Reviewed | The qualification basis |
| Appraisal Form 1007 (market rent) | Sometimes used | Primary qualifier |
The only personal information Get Brick Capital reviews is a tri-merge credit report, pulled after you accept loan terms — and a basic identity check for the closing package. Personal income, employment, and tax returns are never collected or reviewed.
Who No-W-2 DSCR Lending Actually Helps
Self-employed investors
Schedule C / 1099 income often shows poorly on tax returns due to legitimate business deductions. Conventional underwriting reads those write-offs as low income and denies the loan. DSCR ignores it entirely.
Investors with heavy depreciation
Real estate professionals using cost segregation and bonus depreciation can show negative income on Schedule E. That's a tax planning win and a conventional loan killer. DSCR is the workaround.
Recent job changes or gaps
Conventional underwriting wants 2 years of stable W-2 income. Investors who switched jobs, took time off, or transitioned to full-time investing get penalized. DSCR doesn't ask.
Investors with high DTI from other rentals
Even with good income, owning multiple financed properties can push DTI over 43% and disqualify you from conventional. DSCR doesn't calculate DTI at all.
Foreign nationals and ITIN borrowers
Borrowers without a US income history can still qualify for DSCR loans because the qualification is on the property, not on the borrower's tax history.
Retired investors living on assets
Retirees drawing from investments rather than wages often have no traditional 'income' to show. DSCR sidesteps the issue.
No-W-2 DSCR Lender FAQ
No W-2. No Tax Returns. No Problem.
Submit your scenario. Rates within 24 hours. No credit pull.