Investing in real estate should be about the property's performance, not just your personal income.
Debt Service Coverage Ratio (DSCR) Loans are designed for investors who want to qualify based on rental income potential rather than traditional income verification. At Convoy Capital Funding & Solutions, we make it easier for investors to expand their portfolios and access capital with flexibility and speed.
Trusted by Real Estate Investors Nationwide
Qualifying based on property performance, not personal income documentation
A DSCR Loan uses the rental income of an investment property to determine loan eligibility. Instead of focusing on tax returns, pay stubs, or W-2s, lenders evaluate the property's ability to generate enough income to cover its debt obligations.
This makes DSCR Loans a powerful tool for investors who want to qualify based on cash flow, not personal income.
Qualify without traditional income documentation like W-2s, pay stubs, or tax returns
Approval is tied to the property's rental performance and income potential
Ideal for growing rental portfolios and real estate investment strategies
Options for long-term financing or shorter investment strategies
Borrow across multiple properties with simplified underwriting
Some programs allow qualification without a FICO score requirement
LTV Available
Minimum Loan
Strategic advantages that empower real estate investors to qualify based on property performance
Qualify without traditional income documentation like W-2s, pay stubs, or tax returns. Perfect for investors with complex tax situations.
Approval is tied to the property's rental performance and income potential, not your personal financial situation.
Ideal for growing rental portfolios and real estate investment strategies. Built specifically for property investors.
Options for long-term financing or shorter investment strategies. Terms tailored to your investment goals and timeline.
Borrow across multiple properties with simplified underwriting. Perfect for investors scaling their portfolios rapidly.
Some programs allow qualification without a FICO score requirement. Focus on property performance over credit history.
Our DSCR loan specialists can help you qualify for investment property financing without the traditional income documentation hassle
Comprehensive DSCR financing solutions for every type of investment property and strategy
Financing for individual residential investment properties. Perfect for investors building their rental portfolio one property at a time.
Solutions for duplexes, triplexes, fourplexes, and apartment buildings. Scale your investment with larger multi-unit properties.
Consolidate or expand multiple investment properties under one loan structure. Streamlined financing for serious investors.
Access equity from rental properties to reinvest in new opportunities. Leverage existing properties to fuel growth.
Transition from short-term financing into a long-term DSCR structure. Perfect for properties that need seasoning or stabilization before permanent financing.
| Program Type | Property Types | Max LTV | Min DSCR | Best For |
|---|---|---|---|---|
| Single-Family Rental | 1-4 units | 80% | 1.0+ | Individual investors |
| Multifamily DSCR | 2+ units | 75% | 1.20+ | Apartment investors |
| Portfolio Loans | Multiple properties | 75% | 1.15+ | Serious investors |
| Cash-Out DSCR | Seasoned rentals | 80% | 1.25+ | Growth-focused investors |
| Bridge-to-DSCR | All types | varies | varies | Fix & hold strategies |
No tax returns, W-2s, or pay stubs required
Streamlined underwriting and quick closings
30-year amortization and competitive rates
Build your portfolio with multiple properties
Our DSCR specialists will analyze your portfolio goals and match you with the optimal financing structure
DSCR Loans are perfect for real estate investors who want to qualify based on property performance, not personal income
Building or scaling rental property portfolios with cash flow-based qualification
Borrowers without traditional income or tax returns who need alternative qualification
Entrepreneurs seeking alternative financing without complex tax documentation
Looking to refinance based on rental income rather than personal income documentation
Our DSCR loan programs empower investors to qualify based on what matters most — the income potential of their properties
Programs built specifically for real estate investors and their unique financing needs.
No tax returns, pay stubs, or W-2s required. Qualify based on property cash flow.
Streamlined underwriting to close deals quickly and seize investment opportunities.
Options for refinancing, cash-out, or portfolio growth to match your investment strategy.
At Convoy Capital Funding & Solutions, we empower investors to qualify based on what matters most — the income potential of their properties. Whether you are purchasing, refinancing, or scaling your portfolio, our DSCR loan programs provide the tools to achieve your goals.
Finance new investment properties without income docs
Lower rates or cash-out based on property performance
Grow your real estate empire with streamlined financing
At Convoy Capital Funding & Solutions, we empower investors to qualify based on what matters most — the income potential of their properties. Whether you are purchasing, refinancing, or scaling your portfolio, our DSCR loan programs provide the tools to achieve your goals.
📞 Contact us today to explore DSCR Loan options and see how rental income can open the door to more opportunities.
Call (866)363-2945