DSCR Financing in WA
DSCR Loans in Washington
Seattle appreciation where conventional DTI dies, Spokane cash flow, and a Washington no-income-tax draw that pulls investors across the Columbia, a high-regulation but high-value DSCR state.
Local Market Context
Investor Markets in Washington
Seattle
High-price appreciation market where conventional DTI gates most investors out.
Tacoma
More affordable Puget Sound cash-flow market with steady tenant demand.
Spokane
Eastern Washington cash-flow market with affordable entry and growing population.
Vancouver
Portland-metro spillover with WA no-income-tax advantage.
Bellingham
University and Canadian-border market with steady rental demand.
Common Properties
What Investors Finance in Washington
- ✓Seattle appreciation SFRs and townhomes (often sub-1.0 DSCR)
- ✓Tacoma SFRs and small multifamily
- ✓Spokane cash-flow SFRs
- ✓Vancouver Portland-spillover SFRs
- ✓Bellingham student and professional rentals
Property Types
DSCR Property Eligibility
Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.
Refinance optionsPurchase optionsProgram Paths
Current DSCR Options in Washington
Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.
Program 3
Completed Rehab
A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.
Program 1
Small Balance
Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.
Program 7
Low / No FICO, No Minimum DSCR
Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.
80% cash-out can be available in Washington. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.
Washington DSCR FAQ
Does Get Brick Capital offer DSCR loans in Washington?
Yes. Washington is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.
Is Program 7 available in Washington?
Yes. Program 7 can be available in Washington for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.
Do I need W-2s or personal tax returns?
DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.
Can I close the loan in an LLC?
Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.
See Your Washington DSCR Options
No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.