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. Close in as fast as 21 days.
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.
Competitive Terms
Up to 80% LTV. 30-year fixed, 5/1 ARM, and 7/1 ARM options. Minimum DSCR of 1.0. Rates starting in the 7s for qualified borrowers.
Fast Closings
Streamlined underwriting focused on the property, not your personal finances. Most DSCR loans close in 21 days or fewer.
Investor-Friendly
No limit on number of financed properties. LLC and entity vesting allowed. Cash-out refinance available up to 75% LTV.
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?
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than personal income. The property's monthly rent must cover the mortgage payment at a ratio of 1.0 or higher.
What DSCR ratio do I need?
Most programs require a minimum DSCR of 1.0 (rent equals mortgage payment). Higher ratios (1.25+) qualify for better rates and terms.
Can I use a DSCR loan for short-term rentals?
Yes, many programs allow Airbnb and VRBO income to be used for qualification. Market rent analysis or AirDNA data may be used.
How fast can I close?
AllApprovedHere typically closes DSCR loans in 21 days or fewer — significantly faster than conventional lenders.