DSCR

Flexible DSCR Loans Designed for Real Estate Investors. Invest in Real Estate with No Income Verification Required.

Ask us how you can benefit by working with us on your home purchase.

DSCR Mortgage Program for Real Estate Investors
No Income Verification | Investment Property Financing Made Easy

Are you a real estate investor looking to purchase or refinance a rental property without the hassle of traditional income verification? The Debt Service Coverage Ratio (DSCR) mortgage program from AAA Capital Funding is designed specifically for investors who want flexible financing options for non-owner-occupied properties.

What Is the DSCR Mortgage Program?

The DSCR loan program allows borrowers to qualify based on the income generated by the investment property—not their personal income or employment status. That means no tax returns, W-2s, or pay stubs are required. Instead, the loan is approved based on the property’s ability to generate enough rental income to cover the monthly mortgage payment.

At AAA Capital Funding, we work with real estate investors of all experience levels to provide access to this unique no-income-verification mortgage solution.

This program is ideal for:

• Real estate investors with multiple properties

• Self-employed borrowers

• Foreign nationals

• Retirees or individuals with non-traditional income sources

How DSCR Loans Work

Rather than using your personal Debt-to-Income (DTI) ratio, the DSCR loan uses the Debt Service Coverage Ratio, calculated as:

DSCR = Monthly Rental Income / Monthly Mortgage Payment

For example, if your rental property earns $2,000 per month and your monthly mortgage payment is $1,600, your DSCR is 1.25. Most lenders require a minimum DSCR of 1.00 or higher, meaning the rental income must cover at least 100% of the mortgage payment.

AAA Capital Funding evaluates each investment property individually to determine eligibility based on the property’s cash flow—not the borrower’s personal finances.

Key Features of the DSCR Loan Program

• No income or employment verification
  (These sections are left blank on your loan application)

• Qualify based on property cash flow

• No tax returns or pay stubs needed

• Loans available for 1–4 unit residential investment properties

• Purchase or refinance options available

• Cash-out refinancing allowed in many cases

• Competitive rates and flexible terms

• Available nationwide

Property Types Eligible for DSCR Loans

This program is strictly for non-owner-occupied, income-producing properties, such as:

• Single-family rental homes

• Duplexes

• Triplexes

• Fourplexes (4-unit properties)

Note: Owner-occupied properties or vacation homes do not qualify under the DSCR program.

Additional Requirements

• Credit score: Minimum score requirements vary by lender but generally start around 620–660+

• Down payment: Typically 20–25% for purchases

• Reserves: Some lenders may require proof of cash reserves (emergency savings)

• Appraisal with rental analysis: A rental survey or Form 1007 is typically required to estimate market rent

At AAA Capital Funding, we help guide investors through these requirements to make the process as smooth and efficient as possible.

Why Choose a DSCR Loan?

Traditional mortgage programs can be restrictive for investors who don’t show regular W-2 income or who reinvest most of their earnings into growing their portfolio. The DSCR loan offers a streamlined, no-doc solution that puts the focus where it should be—on the performance of the investment property itself.

Whether you’re expanding your real estate portfolio or refinancing to pull equity out of a performing rental, a DSCR loan through AAA Capital Funding can help you get there faster, with less paperwork and more flexibility.

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Ready to Explore Your DSCR Loan Options?
Contact AAA Capital Funding today to see how you can qualify for a DSCR mortgage loan and start building your investment portfolio with ease.