A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than personal income. No W-2s or tax returns are required. The property's monthly rent must cover the mortgage payment, typically at a ratio of 1.0 or higher.

How fast can I close a DSCR loan?

AllApprovedHere typically closes DSCR rental loans in 21 days or fewer, significantly faster than conventional lenders.

What states does AllApprovedHere lend in?

AllApprovedHere / Barrett Financial Group is licensed to lend in Arizona (AZ), California (CA), Washington (WA), Nevada (NV), and Colorado (CO).

What is the minimum DSCR ratio required?

Most DSCR loan programs require a minimum DSCR ratio of 1.0, meaning the property's rental income must at least cover the monthly mortgage payment. Programs with stronger ratios (1.25+) qualify for better rates and terms.

Do you offer construction loans for ground-up development?

Yes. AllApprovedHere offers ground-up construction loans with up to 90% LTC (Loan-to-Cost), 12-24 month terms, and interest-only draw schedules for residential and commercial development projects.

All Authors

Derek Solano

Fix & Flip Lending Advisor

Fix & FlipHard Money LoansRenovation FinanceARV Analysis

About Derek

Derek is a veteran of the fix-and-flip market with hands-on experience flipping 40+ properties in Phoenix, Las Vegas, and Denver. He writes about hard money lending, rehab budgets, ARV calculations, and finding high-margin renovation opportunities.

Articles by Derek(7)

Market Analysis

Las Vegas 2026: Top Investment Neighborhoods & Financing

Discover top Las Vegas neighborhoods for 2026 real estate investment. Explore DSCR loans, short-term rentals, fix & flip, and financing options with AllApprovedHere.com.

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Las Vegas Real Estate Investment 2026: Market Analysis & Loans

Explore Las Vegas, NV's 2026 real estate investment landscape. Analyze cap rates, rental yields, and opportunities for DSCR, short-term rentals, and fix & flip projects.

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Phoenix Real Estate Investment 2026: Cap Rates, Yields, & Loans

Explore Phoenix, AZ's 2026 real estate investment landscape. Discover projected cap rates, rental yields, and opportunities for DSCR, fix & flip, and Airbnb loans.

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Non-QM Loans

Non-QM Loan Options for Real Estate Investors: Complete Guide

Explore all Non-QM loan programs available for real estate investors in 2026 — DSCR, bank statement, asset depletion, bridge, and more.

Apr 1, 2026

Investor Education

The BRRRR Strategy Explained: How to Build a Rental Portfolio Using Other People's Money

The BRRRR strategy is one of the most powerful wealth-building methods in real estate investing. It stands for Buy, Rehab, Rent, Refinance, Repeat — and when executed correctly, it allows investors to recycle the same capital over and over to build a growing portfolio of cash-flowing rental properti

Mar 28, 2026

Investor Loans

Hard Money Loans vs. DSCR Loans: Which Is Right for Your Real Estate Investment?

Two of the most popular financing tools for real estate investors are hard money loans and DSCR loans. Both are asset-based, both avoid the income documentation requirements of conventional mortgages, and both are widely used by experienced investors. But they serve very different purposes. Choosin

Mar 27, 2026

Fix & Flip

Fix and Flip Loans in Las Vegas: Rates, Requirements & How to Get Funded Fast

Las Vegas is one of the hottest fix-and-flip markets in the country. With a growing population, strong tourism economy, and a steady supply of distressed properties, Nevada's largest city offers real estate investors consistent opportunities to buy, renovate, and sell for profit. But to move fast i

Mar 22, 2026