Self-Employed.Investment Property.No W-2 Needed to Refinance.
- No W-2s, tax returns, or income verification
- Self-employed investors qualify on rental income only
- No DTI calculation: your personal debts don't count
- Write-offs and deductions don't work against you
Self-employed and tired of getting declined? Submit your deal: no W-2, no tax returns needed.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
How Self-Employed Investors Get Declined
A self-employed real estate investor typically shows low taxable income on their Schedule C or K-1 after depreciation, business expenses, and write-offs. Conventional lenders use that taxable income figure for DTI, and frequently decline investors who are genuinely cash-flowing millions in real estate.
DSCR loans never look at your personal income. The underwriter reviews the rental property's income, divides it by the monthly PITIA, and if the result is 0.75+, you qualify. Your Schedule C, your K-1, your business expenses: none of it matters.
This is why DSCR loans are the dominant refinance vehicle for active real estate investors. The product was designed for people whose tax strategy works against them in conventional underwriting.
Requirements
What You Need to Qualify
W-2 or Tax Returns
Not Required
Schedule C / K-1
Not Reviewed
DTI Calculation
Not Calculated
Min Credit Score
660 FICO
Max LTV
Up to 80%
LLC Closing
Standard
Self-Employed DSCR Refinance FAQ
Self-Employed? You Qualify.
No W-2 needed. The property qualifies you.