DSCR Loans — when the property qualifies itself
Qualifies on the property's rental income, not your W-2s or tax returns.
If you're self-employed, own several properties, or your paper income doesn't reflect your real capacity, a DSCR loan can be the key. The lender looks at how much rent the property produces versus the mortgage payment.
It's the workhorse loan for Airbnb and rental investors — because it lets you scale a portfolio without being capped by your personal DTI.
Who it's for
- Investors buying short-term or long-term rentals
- Self-employed buyers who are hard to document conventionally
- Investors who want to buy in an LLC
- Buyers who've maxed out conventional loan limits
Key points
- No personal tax returns or W-2s required
- Qualifies on the property's rental cash flow
- Can close in an LLC for asset protection
- No cap on the number of loans like conventional
- Down payment usually 20–25% with higher rates than a primary home
Short-term rental rules vary by jurisdiction; loan eligibility does not mean Airbnb use is permitted there.
How working with me goes
Four clear steps. You always know where you stand and what happens next.
1. We talk
We discuss your goals, your income and what you have saved. No commitment and no credit check.
2. I review your file
I look at your real numbers and tell you which loan types you qualify for, with actual figures — not ballparks.
3. Pre-approval letter
You get a pre-approval letter so you can shop and make offers with confidence.
4. We close
I stay on it through closing day and walk you through every page you sign.
Ready to get started?
It takes a few minutes. No credit check to explore your options, and you get straight answers — in English or Vietnamese.
Exploring your options does NOT affect your credit score.