Finance your investment property based on the rent — not your income.
No W2s. No tax returns. No employment verification. If the property cash flows, there's likely a program for you.
DSCR (Debt Service Coverage Ratio) Loan
No Income docs required
LLc Eligible (Vesting in entity)
55+ Lenders in network
How DSCR loans work
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The lender calculates your Debt Service Coverage Ratio: monthly rent ÷ monthly mortgage payment. A ratio of 1.0 means the rent exactly covers the mortgage.
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The lender doesn’t pull your tax returns, pay stubs, or W2s. Ideal if you're self-employed, retired, or already own multiple properties and exceed conventional limits.
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Some of my lending partners allow Airbnb or VRBO income using a market rent analysis or STR income report. I'll help you find the program that fits your property type.
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Many DSCR programs I have access to allow you to vest title in an LLC.
By clicking "Apply Now", you will be redirected to a secure third-party platform powered by Arive, LLC (operated by Wizni, Inc.) to complete your mortgage application.
Marc Lala (NMLS #2478402) is a licensed loan originator in New Jersey and Connecticut. All loans are subject to underwriting, credit approval, and property review.