DSCR Loans & Rental Property Financing for Real Estate Investors
Qualify based on rental income — not your W-2. DSCR Capital Partners offers competitive DSCR, long-term rental, and short-term rental loans with no income documentation required.
- Rates as low as 5.75% APR
- Up to 85% LTV
- Credit scores from 620
- Loan amounts up to $15M
- First-time investors welcome
- Foreign nationals OK
- No personal income docs
- Short-term rentals / Airbnb
See If You Qualify
Investment property only · No impact to credit score
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Rental Property Financing Solutions
Every loan is tailored to the cash flow potential of your property — not your personal tax returns.
DSCR Loans
Qualify based on your property's rental income, not your W-2. The ideal loan for self-employed investors and portfolio builders.
- Rates from 5.75% APR
- Up to 85% LTV
- 30-year fixed available
- Scores from 620
- No personal income docs
- Foreign nationals OK
- Up to $15M loan amount
Long-Term Rental
Stable, long-term financing for single-family and multi-unit rental properties with predictable 30-year terms.
- 30-year fixed term
- Up to 85% LTV
- No personal income docs
- First-time investors OK
- Portfolio loans available
- Foreign nationals OK
Short-Term Rental
Finance Airbnb, VRBO, and vacation rental properties using projected short-term rental income — not traditional lease agreements.
- AirDNA income accepted
- 30-year term available
- Up to 85% LTV
- No personal income docs
- Vacation rental specialists
- First-time STR investors OK
Built for Real Estate Investors
We specialize exclusively in investment property financing — so we understand your goals better than any traditional bank.
Investor-First Underwriting
We qualify loans on property cash flow, not personal income. No W-2s, no tax returns, no employment verification required.
Foreign Nationals Welcome
We have specialized programs for international investors purchasing U.S. rental properties — with competitive terms and a streamlined process.
First-Time Investors OK
No prior landlord experience required. Whether you're buying your first rental or your fiftieth, we have a loan for you.
Competitive Rates & Terms
Rates starting from 5.75%, up to 85% LTV, and loan amounts up to $15M — structured to maximize your investment returns.
Simple, Fast Process
Our streamlined digital application gets you from inquiry to pre-approval quickly, so you never lose a deal to slow financing.
Licensed & NMLS Registered
DSCR Capital Partners is NMLS #2591548, fully licensed and committed to transparent, compliant lending you can trust.
Get Funded in 3 Steps
We've simplified the investment property lending process so you can focus on finding great deals.
Submit Your Inquiry
Fill out our simple form with basic details about your loan needs. No credit pull, no commitment — just a quick eligibility check.
Get Pre-Approved
We review your property details and rental income potential. Most borrowers receive a pre-approval decision within 24–48 hours.
Close & Get Funded
Once approved, our team works to close your loan as quickly as possible. No endless paperwork, no unnecessary delays.
4.9 / 5 from 127 Investors Across the U.S.
Real DSCR loan customers — first-time investors, BRRRR operators, foreign nationals, and multi-unit landlords.
"Closed my BRRRR refi in 22 days. Hard money was killing me at 11.5% — the team got me into a 30-yr DSCR cash-out and I pulled $48K back to roll into the next deal. Communication was constant, no surprises at the table."
"Two other lenders quoted me higher rate and lower LTV. DSCR Capital Partners gave me 75% LTV at 6.875% on a 730 FICO. Closed in 26 days. Will absolutely use them on my next purchase."
"This is my fourth DSCR loan with them. Pricing has been competitive every single time. They actually understand the BRRRR strategy and the seasoning conversation, which most lenders don't."
"Bought a cabin with no rental history. They used the AirDNA projection without making me jump through hoops. Other lenders wanted 12 months of rental docs I didn't have. Closed in 24 days."
"Foreign national file from the UK on a Tampa rental. Pricing came in at 7.85% which was honestly better than I expected. Documents were notarized at the US embassy in London — they walked me through every step."
"Closed an 8-unit multifamily DSCR at 72% LTV. Most lenders cap at 4 units — DSCR Capital Partners has actual programs for small commercial multifamily. Shopped 5 lenders, this team won on rate AND LTV."
Run the Numbers on Your Next Deal
Instantly calculate your DSCR ratio and see if your rental property qualifies — no sign-up required.
DSCR Loan FAQs
Everything you need to know about DSCR and rental property loans.
The Smarter Way to Finance Investment Properties
DSCR Capital Partners, a brand of United Trust Mortgage (UTM Financial, LLC · NMLS #2591548), is a leading provider of investment property loans, landlord loans, and no income verification loans for real estate investors across the United States. Whether you're financing a single rental home or a multi-property portfolio, we offer no-doc loan programs that qualify based on your property's cash flow — not your personal tax returns.
Investment Property Loans
Our investment property loans are designed for borrowers who want to build wealth through real estate without the hurdles of conventional mortgage underwriting. Qualify based on rental income, not W-2s. Available for SFRs, condos, multi-family, and more.
No Income Verification & No-Doc Loans
Our no income verification loans and no-doc loan programs eliminate the need for W-2s, tax returns, or pay stubs. Ideal for self-employed borrowers, business owners, and investors with complex income. Qualification is based on property cash flow only.
LLC Loans & Landlord Loans
We offer LLC loans for investors who hold properties in a limited liability company, providing liability protection alongside flexible financing. Our landlord loans are built for both new and experienced rental property owners — no landlord experience required.
Portfolio Loans for Multiple Properties
Growing your rental portfolio? Our investment property loans support up to 20 properties per loan, and we offer blanket loan options for investors with multiple units. Scale your real estate business with financing that grows with you.
Foreign National Investment Loans
International investors can access U.S. rental property financing through our foreign national loan programs. No U.S. credit history required. We've helped investors from dozens of countries finance rental properties across the United States.
Fast Closings Nationwide
Speed matters in real estate investing. Our streamlined no-doc and DSCR loan process is designed for fast approvals and closings — so you never lose a deal to slow financing. We serve investors in all 50 states with loan amounts from $100K to $15M.
Who We Work With
DSCR Capital Partners provides investment property loans, no income verification loans, landlord loans, LLC loans, and no-doc loan programs to a wide range of real estate investors. We work with first-time real estate investors purchasing their first rental property, experienced landlords refinancing or expanding their portfolio, self-employed borrowers who can't show traditional income, LLC and corporate borrowers holding properties in a business entity, foreign nationals investing in U.S. real estate, and short-term rental operators financing Airbnb and VRBO properties. If you need an investment property loan with no personal income documentation, DSCR Capital Partners has a program for you.
DSCR Loans by State — Local Investor Guides
DSCR Capital Partners lends in all 50 states. Each state guide below covers local rates, top investor markets, qualification rules, and city-by-city rental data.
Houston · Dallas · Austin · San Antonio Florida
Miami · Orlando · Tampa · Jacksonville Georgia
Atlanta · Savannah · Augusta · Athens North Carolina
Charlotte · Raleigh · Asheville · OBX Virginia
NoVA · Richmond · Virginia Beach Tennessee
Nashville · Memphis · Knoxville · Smokies Arizona
Phoenix · Scottsdale · Tucson · Sedona Colorado
Denver · Colorado Springs · Breckenridge Pennsylvania
Philadelphia · Pittsburgh · Allentown Ohio
Columbus · Cleveland · Cincinnati Michigan
Detroit · Grand Rapids · Ann Arbor New York
NYC · Long Island · Hudson Valley Wisconsin
Milwaukee · Madison · Green Bay California
LA · San Diego · Inland Empire · Sacramento Nevada
Las Vegas · Henderson · Reno · Tahoe Indiana
Indianapolis · Fort Wayne · Bloomington Alabama
Huntsville · Birmingham · Mobile South Carolina
Charleston · Greenville · Myrtle Beach Missouri
St. Louis · Kansas City · Springfield Massachusetts
Boston · Worcester · Cape Cod New Jersey
Jersey City · Newark · Atlantic City Washington
Seattle · Spokane · Tacoma · Bellevue Utah
Salt Lake City · Park City · Provo Idaho
Boise · Coeur d'Alene · Idaho Falls Maryland
Baltimore · Bethesda · Frederick
Top Metro Investor Markets
Hyde Park · Brandon · Wesley Chapel Orlando, FL
Kissimmee · Davenport · Lake Nona Houston, TX
Heights · Sugar Land · Katy · Cypress Dallas, TX
Frisco · Plano · McKinney · Arlington Austin, TX
East Austin · Cedar Park · Round Rock Atlanta, GA
East Atlanta · Marietta · Alpharetta
Strategy & Use-Case Guides
AirDNA-based qualification DSCR for BRRRR
Hard money take-out refi DSCR Cash-Out Refi
Up to 75% LTV First-Time Investor
Beginner playbook Portfolio Loan
5+ rentals, 1 loan For Canadian Investors
No US credit needed Foreign National Rates
2026 pricing matrix ITIN DSCR Loans
No SSN required
DSCR Loan Resources & How-To Guides
Ready to Finance Your Next Rental Property?
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