DSCR loans in all 50 states
Buying a rental outside California? We arrange DSCR loans for investors nationwide, qualified on the property's rent. Availability varies by state.
How a nationwide DSCR loan works
A DSCR loan qualifies a rental property on the rent it brings in, not your personal income. No tax returns or pay stubs.
Because these are business-purpose loans for investment property, we can arrange them for investors buying in all 50 states. Availability and terms vary by state and by lender, and we'll confirm yours before you apply.
Who it fits
- California investors buying out of state
- Investors in any state building a rental portfolio
- Self-employed investors with complex tax returns
- Buyers closing in an LLC
How it works with us
- Tell us the propertyThe state, the price and the expected rent.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Run the ratioWe compare the rent to the full monthly cost and match you with lenders that lend in that state.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
What to have on hand
You don't need all of it to start. The application tells you what's missing.
- Photo ID for everyone on the loan
- Purchase contract or property details
- Lease or rent estimate
- Bank statements showing reserves
- LLC documents if vesting in an entity
Good to know
Which states do you cover?
All 50 states, with availability depending on the state and the lender. Tell us where the property is and we'll confirm.
Do I need to live in California?
No. Investors anywhere can apply, and the property can be in any state.
Can I close in an LLC?
Yes. Many DSCR lenders allow vesting in an LLC.
Can I use it for a primary home?
No. DSCR loans are for investment properties only.
Does checking my options hurt my credit?
No. We start with one soft credit pull, which doesn't affect your score.