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No income verification

DSCR Rental Loans

Build your rental portfolio with no personal income verification. Qualify based on property cash flow with rates starting at 6.40% and 30-year fixed terms available.

Apply for Funding HereCall (843) 376-3804

Program at a glance

$75K – $2M
Loan amount
6.40%
Starting rate
30 years
Loan term
80%
Max LTV

Overview

What is a DSCR loan?

Financing for investors who want to qualify on the property's rental income rather than personal income.

No tax returns, pay stubs, or W-2s required. Qualification turns on whether the property's rental income covers the mortgage payment — which makes these loans ideal for self-employed investors, owners with complex tax situations, and anyone looking to scale quickly.

Eligible property types

  • Single family homes
  • Condos
  • Townhomes
  • 2–4 unit properties
  • Warrantable condos
  • PUDs

Ideal for

  • Self-employed real estate investors
  • Investors with complex tax returns
  • Buy-and-hold investors building long-term wealth
  • Investors with multiple rental properties
  • Foreign nationals investing in U.S. real estate
  • Investors who want to scale quickly without income documentation

Why choose No Limit Solutions

Program features.

  • No income verification

    Qualify based on property cash flow, not personal income or tax returns.

  • 30-year fixed rates

    Lock in your rate for 30 years with fully amortizing payments.

  • Competitive rates

    Rates starting at 6.40% for qualified borrowers and properties.

  • Cash out available

    Access equity in your rental properties for additional investments.

  • No ratio option

    Options available for properties with DSCR below 1.0.

  • Fast closings

    Streamlined process with a clear path to closing.

Lending guidelines

Loan requirements.

Loan amount
$75,000 – $2,000,000
Minimum FICO
660+
Purchase LTV
Up to 80%
Rate/term refi LTV
Up to 80%
Cash out refi LTV
Up to 75%
Minimum DSCR
1.0 (no ratio available)
Loan term
30-year fixed
Interest rate
Starting at 6.40%
Prepayment penalty
3-2-1 or 5-4-3-2-1

Lending guidelines

  • Minimum credit score of 660 required
  • Property must be non-owner occupied
  • DSCR calculated as monthly rent / PITIA
  • Minimum DSCR of 1.0 (no ratio options available with higher down payment)
  • Maximum loan-to-value of 80% for purchase
  • Maximum loan-to-value of 75% for cash-out refinance
  • Appraisal with rental survey required
  • Reserves required (typically 6 months PITIA)
  • Property must be in rentable condition
  • Short-term rentals may be considered with 12-month rental history

Required documents

  • Completed loan application
  • Government-issued ID
  • Entity documents (if applicable)
  • Purchase contract or proof of ownership
  • Current lease agreement (if applicable)
  • Rent roll or rental survey
  • Property insurance declaration page
  • Bank statements for reserves verification
  • Property photos
  • HOA questionnaire (if applicable)

FAQ

Frequently asked questions.

  • DSCR is the debt service coverage ratio — monthly rent divided by PITIA (principal, interest, taxes, insurance, and association dues). A 1.0 DSCR means rent exactly covers the payment.

Explore more

Ready to get started?

Send us the property, the rents, and your target leverage — we will tell you what is realistic.

Apply for Funding HereCall (843) 376-3804