top of page

No Income Verification DSCR Loans for Investment Properties

DSCR loans allow real estate investors to qualify based on the income generated by the property rather than personal income verification. This makes the program ideal for investors seeking simplified underwriting and scalable long term financing solutions. 

55443322.png

Key Highlights for this loan

  • Best For:

    • Real estate investors seeking no income documentation financing

    • Portfolio builders focused on rental cash flow

    • Self employed borrowers with complex tax structures

    • Investors transitioning from short term or bridge loans
       

  • Qualification Method:

    • Based on property cash flow and debt service coverage ratio

    • Estimated market rent or actual lease income accepted

    • Personal income and employment verification not required

    • Strong reserves and asset position can strengthen approvals
       

  • Credit Score Requirements:

    • Typically 620+ minimum guideline

    • Stronger pricing available for higher credit profiles

    • Credit history and investment experience considered

    • Lower leverage may allow flexibility
       

  • Loan to Value (LTV):

    • Up to 85% percent standard leverage

    • Reduced LTV options for improved pricing

    • Cash out refinance available based on property performance

    • Portfolio level financing structures may be available
       

  • Loan Structure:

    • 30 year fixed rate options available

    • Interest only payment options for qualified borrowers

    • Predictable long term financing for rental assets

    • Supports both purchase and refinance scenarios
       

  • Eligible Uses:

    • Acquisition of residential investment properties

    • Rate and term refinancing

    • Cash out refinancing for reinvestment or liquidity

    • Stabilized rental property financing
       

Frequently asked questions

martin-baron-1mjTr7SBoBY-unsplash.jpg

HOW IT WORKS

Fast & Easy Application Process

Complete a short 1-minute form to tell us more about your loan request and situation.

Expert Consultation

You’ll be assigned to a OCL Loan expert who will guide you through the process.

Select A Loan

Your loan expert will present you with the best available options for your loan.

bottom of page