Refinance Your Rental.No Tax Returns.No W-2s. No Income Docs.
- Zero tax return requirement on any program
- No W-2s, pay stubs, or income verification
- Write-offs and deductions don't work against you
- Qualify on rental income only: property does the talking
No tax returns, no W-2s: just rental income and credit. Submit your deal.
Submit Deal Summary →No credit pull · Rates within 24 hours · Consistent 28-day closings
Quick Qualify
The Situation
Why Conventional Lenders Reject Tax Return-Based Income
Real estate investors maximize depreciation, cost segregation, and business deductions to reduce taxable income legally. The result: a Schedule E that shows net rental losses even on cash-flowing properties. Conventional lenders use that Schedule E income figure. The result is a decline.
DSCR loans never use Schedule E. They never look at your tax return. The only income that matters is the gross monthly rent from the subject property divided by the loan's PITIA.
If your rental income covers 0.75x or more of the new loan payment, you qualify. What you report on your tax return is irrelevant.
Requirements
What You Need to Qualify
Tax Returns
Not Required
Schedule E / C
Not Reviewed
W-2 or Pay Stubs
Not Required
Min Credit Score
660 FICO
Max LTV
Up to 80%
LLC Closing
Standard
No Tax Return Refinance FAQ
No Tax Returns Required. Ever.
The property qualifies you. Submit your deal.