DSCR Investment Property Loans

Finance Your Investment Properties Without Using Your Personal Income

Looking for a simple way to finance your next rental property? Our DSCR (Debt Service Coverage Ratio) Loan Program allows real estate investors to qualify based on the property’s cash flow instead of personal income.

Unlike traditional mortgage loans, DSCR loans typically do not require tax returns, W-2s, or employment verification. Qualification is primarily based on whether the property’s rental income is sufficient to cover the monthly mortgage payment, making this an ideal financing solution for both experienced and first-time real estate investors.

Whether you’re purchasing your first rental property, refinancing an existing investment, or accessing equity through a cash-out refinance, our flexible DSCR loan programs can help you grow your real estate portfolio.

Why Investors Choose Our DSCR Loans

• No personal income verification required
• No tax returns or W-2s required
• Qualify using rental income
• Purchase, Rate & Term Refinance, and Cash-Out Refinance
• Finance properties held in an LLC, Corporation, Trust, or Individual name
• First-time investors are welcome
• Flexible loan terms and competitive interest rates
• Fast underwriting and quick closings
• Loan amounts available for small and large investment projects
• Available in many states nationwide

Eligible Property Types

Our DSCR loan program is available for a variety of investment properties, including:

• Single-Family Residences (SFR)
• Townhomes
• Warrantable and eligible Non-Warrantable Condominiums
• Condo-Hotel 
• 2–4 Unit Residential Properties
• 5-8 Unit Multifamily  Properties
• Planned Unit Developments (PUDs)
• Long-Term Rental Properties
• Eligible Short-Term Rental Properties (Airbnb & Vacation Rentals)

Who Is a DSCR Loan Best For

A DSCR loan is an excellent solution for:

• Real estate investors
• Self-employed borrowers
• Property investors with multiple financed properties
• First-time rental property investors
• Investors purchasing through an LLC
• Borrowers who maximize tax deductions and show lower taxable income
• Investors looking to expand their rental portfolio
• Buyers seeking a simplified mortgage approval process

What Is a DSCR Loan

A Debt Service Coverage Ratio (DSCR) measures whether a property’s rental income is sufficient to cover its monthly mortgage payment, including principal, interest, taxes, insurance, and, when applicable, HOA dues.

Rather than focusing on your personal income, lenders evaluate the property’s ability to generate enough rental income to support the loan. This streamlined qualification process allows many investors to finance additional properties without the documentation typically required for conventional mortgages.

Benefits of Choosing Nations Trust Mortgage

At Nations Trust Mortgage, we specialize in financing investment properties for real estate investors nationwide. Our experienced team understands investor needs and works to provide competitive loan options with our network of our multiple wholesale lenders.

Whether you’re purchasing your dream home, refinancing your current mortgage, or accessing your home’s equity, we’ll help you secure financing with a smooth and efficient process.

When you work with us, you’ll receive:

• Expert guidance from experienced Non-QM specialists
• Fast pre-qualification
• Personalized loan options
• Competitive rates
• Responsive communication
• A streamlined mortgage process from application to closing

Our goal is to help you get approved quickly with the financing solution that best fits your financial profile.