DSCR Purchase LoanLong-Term Rental.Up to 85% LTV. No Income Docs.
- Up to 85% LTV with 740+ FICO - rare in the DSCR market
- Section 8 and small balance loans welcome in expanded program - min loan $50,000
- Sub-1.0 DSCR programs available - floor 0.75
- No W-2s, no tax returns, no employment verification
No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
Loan Programs
LTR Purchase Programs
No income docs on any program. Qualify on rental income only.
Section 8 & Small Balance Loans Welcome
We fund Section 8 rental properties and small balance loans that most lenders won't touch.
Sub-1.0 DSCR Available
Properties where the rent doesn't fully cover the mortgage payment can still qualify. Minimum DSCR of 0.75. Higher rates apply. We qualify based on the income the property does generate, not a hard cutoff at 1.0.
Real Deal Example
LTR Purchase: How It Works
You're purchasing a 4-unit property for $285,000. Monthly rent: $3,200. You have a 720 FICO score. Standard program at 80% LTV: Down payment: $57,000 (20%) Loan amount: $228,000 Monthly payment at 6.25%: $1,404 DSCR: 2.28×, strong qualification. Alternatively with 740+ FICO at 85% LTV: Down payment: $42,750 (15%) Loan amount: $242,250 DSCR: 1.98×, still qualifies comfortably.
Deal Snapshot
Purchase Price
$285,000
Max LTV (740+ FICO)
85%
Down Payment at 85%
$42,750
Monthly Rent
$3,200
DSCR
1.98×
LTR Purchase FAQ
Ready to Buy Your Next Rental?
No credit pull. Rates within 24 hours.