Duplex Equity.No W-2.Pull It Out.
- DSCR loans qualify on rental income: no W-2 needed
- Duplex (2-unit) counts as residential: best rates
- Cash-out up to 80% LTV on appraised value
- Self-employed, retired, or full-time investor, all qualify
Self-employed or no W-2? That's the whole point of DSCR. Submit your duplex numbers.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Your Duplex Pays Its Own Bills. It Should Qualify Itself.
Conventional loans use your W-2 income to qualify. DSCR loans use the property's rental income. If your duplex generates enough rent to cover the payment, you qualify, period. No employer verification, no tax returns, no 2-year income history. Whether you're self-employed, a full-time investor, or just don't want your business income scrutinized, a DSCR cash-out on your duplex is the right product.
Requirements
What You Need to Qualify
Min Credit Score
660 FICO
Max LTV
Up to 80%
Min DSCR
1.0+ (Standard)
Property Type
2-Unit Duplex
W-2 or Income Docs
Not Required
Close In LLC
Yes
Duplex Cash-Out Without W-2 FAQ
Pull Equity From Your Duplex. No W-2 Needed.
No credit pull. Rates within 24 hours. Consistent 28-day closings.