Qualify on Rent, Not Your W-2
DSCR loans let you qualify based on the property's rental income — no personal income verification, no tax returns, no employer letters. Underwriting focuses on the property, and these loans are built to close in weeks, not months.
Check DSCR Eligibility Talk to a SpecialistDSCR Loan Program Details
Everything you need to know about qualifying for a DSCR rental loan in Arizona, California, Nevada, Washington, and Colorado.
No Income Verification
Qualify based on the property's Debt Service Coverage Ratio (DSCR) — monthly rent divided by monthly mortgage payment. No W-2s, no tax returns, no pay stubs.
Flexible Property Types
Finance single-family rentals (1–4 units), small multifamily (5–8 units), condos, and townhomes. Short-term rental (Airbnb/VRBO) income may be considered.
Flexible Terms
30-year fixed, 5/1 ARM, and 7/1 ARM structures are available. Leverage, rate, and the qualifying DSCR vary by program and are subject to qualification and underwriting approval.
Fast Closings
Streamlined underwriting focused on the property, not your personal finances. Built to close faster than conventional financing, though exact timing varies by lender and file.
Investor-Friendly
Designed for portfolio growth — many programs don't impose the conventional financed-property caps. LLC and entity vesting allowed, and cash-out refinance may be available. Specifics vary by program, subject to qualification.
5 States Licensed
Barrett Financial Group is licensed to originate DSCR loans in Arizona, California, Washington, Nevada, and Colorado. NMLS #1502253 | Barrett Financial Group NMLS #181106.
DSCR Loan FAQ
What is a DSCR loan and how does it work?
A DSCR (Debt Service Coverage Ratio) loan is an investment-property rental loan that qualifies you primarily on the property's rental cash flow rather than your personal income. The lender compares the property's rental income to its monthly debt service to gauge whether the rent supports the payment. DSCR loans are designed for 1-4 unit residential and small multifamily rentals and can often close in the name of an LLC. Specific qualifying thresholds vary by program and are subject to underwriting approval.
Do I have to show tax returns or W-2s for a DSCR loan?
DSCR loans are generally built to qualify on the property's rental cash flow rather than personal-income documents like W-2s, tax returns, or pay stubs, which is why they often suit self-employed, 1099, and LLC investors whose returns show heavy write-offs. Lenders still review credit, the property, and reserves, and individual programs set their own documentation rules, so some items may be requested during underwriting. We'll give you the actual document list for the specific program before you're committed.
What DSCR ratio do I need, and can a property that barely breaks even qualify?
The qualifying DSCR threshold varies by lender and program, and some programs can accommodate properties with lower or break-even cash flow under stricter terms, so a tight deal isn't automatically disqualified. The exact ratio, pricing, and any leverage adjustments depend on the program, the property, and your credit, which is why we don't publish a single number. Send us the property details and we'll tell you candidly whether and how it pencils, subject to qualification and underwriting approval.
Will a short-term rental like an Airbnb qualify, and how is the income counted?
Yes — short-term rentals (such as Airbnb properties) can qualify for DSCR financing. How the rental income is counted varies by lender — some use a market-rent figure, others documented short-term-rental revenue — and that method can determine whether the deal pencils. Send us the property and income picture and we'll identify programs that treat STR income the way your deal needs, subject to underwriting.
Can I close a DSCR loan in the name of my LLC, and does that change my terms?
Yes, DSCR loans can typically close with title vested in an LLC, a common way investors hold rental property for liability separation. Whether vesting in an entity affects pricing, leverage, or required documents depends on the specific lender and program, so the tradeoff is best reviewed for your scenario. We can compare entity-vesting options across lenders so you see how it affects your particular deal before you decide.