Investor loans
No-ratio DSCR. When the rent is tight
Investor financing without a rent-to-payment test. We shop your deal with lenders who specialize in investors.
What a no-ratio DSCR loan is
A standard DSCR loan compares the rent with the payment. A no-ratio loan skips that test.
Lenders look at the property, your credit and your experience instead, which helps in high-value markets where rents run tight.
Who it fits
- Investors in high-value markets
- Owners of properties being repositioned
- Experienced investors growing a portfolio
- Investors closing in an LLC
The steps
How it works with us
- Tell us about the propertyAddress, plan and expected rent.
- One soft pullWe check your credit once, without affecting your score, and shop the file with 130+ lenders.
- Pick the best fitWe compare standard and no-ratio DSCR options for your deal.
- CloseWe keep the appraisal, lender and title moving, and get you to closing.
Get ready
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 current mortgage statement
- Bank statements showing down payment and reserves
- LLC documents, if closing in an entity
Questions
Good to know
Do I need tax returns?
No. Like other DSCR loans, no-ratio loans don't rely on personal income documents.
Why choose no-ratio over standard DSCR?
When the rent doesn't fully cover the payment, no-ratio can still work.
Can I close in my LLC?
Yes. Most of our DSCR lenders allow LLC vesting.
Is it for short-term rentals?
It can be. We match you with lenders that fit the property.