No Income Verification Required

Backed by Rent. Built for Growth.

Are you a real estate investor looking to grow your portfolio? Secure financing based on your property’s cash flow, not your personal income.

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Your partner

The exclusive DSCR lender trusted by real estate investors nationwide.

At Capital DSCR, we understand the unique needs of real estate investors. Our exclusive DSCR loan programs are designed to help you seize opportunities in today’s competitive market.
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DSCR lets the property speak for you

A DSCR loan (Debt Service Coverage Ratio loan) is a type of real estate investment loan that’s based on the income generated by the property—not your personal income. This type of loan is perfect for:

Real estate investors
Self-employed borrowers
Those with non-traditional income
Invest Smarter

What is a good DSCR?

Lenders typically look for a DSCR of 1.0 or higher, meaning your property earns at least as much as the monthly loan payments. A higher ratio means better loan terms.

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Why choose a DSCR loan?

Fast. Flexible. Investor-Friendly Financing Based on Rental Income

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No Income Verification Required
Traditional lenders ask for tax returns, W-2s, or pay stubs. With a DSCR loan, we focus on the cash flow of the property—not your personal income.
Fast, Streamlined Approval
Less paperwork means faster underwriting and closing, so you can move quickly on your next investment opportunity.
Perfect for Real Estate Investors
Whether you're self-employed, scaling your portfolio, or investing through an LLC, DSCR loans offer flexibility traditional loans can’t match.
Scale Without Limits
Finance multiple properties without the cap most lenders impose. Build your rental empire without hitting a ceiling.
Flexible Credit Requirements
Even if your credit isn’t perfect, you may still qualify—strong property performance can outweigh a lower credit score.
Title in Your LLC or Business Name
Keep your investment property in your entity name for better asset protection and professional separation.
Investor Insights

Latest Insights from Capital DSCR

Top 5 Scenarios Where DSCR Loans Shine
the top 5 use cases where DSCR loans outperform traditional financing, with real-world examples to illustrate their impact.
How DSCR Loans Are Fueling the Short-Term Rental Boom
How DSCR loans work for STRs and how they’re empowering investors to capitalize on the short-term rental market.
Refinancing with DSCR Loans: When and How to Do It
DSCR loans offer a powerful solution to refinance high-cost debt into lower-rate, long-term financing, leveraging a property’s cash flow.

Profit-Driven Lending for Property-Driven People

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Let the property speak for you.
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