Build Wealth With Rental Loans
Long-term financing for income-producing properties. Our Flex I/O program offers 30-year terms, interest-only options, and no income verification — just cash flow.
Flex I/O Program Details
Who This Is For
Buy & Hold Investors
Acquire rental properties with long-term financing designed for cash-flow optimization, not personal income documentation.
Portfolio Builders
Scale from 1 door to 50+ with our portfolio loan options. No limit on the number of properties we can finance for you.
BRRRR Strategy Investors
Cash-out refinance after rehab to recycle capital. Our DSCR loans make the refinance leg of BRRRR seamless and fast.
Out-of-State Investors
Invest in high-yield markets across 48 states without needing to show personal tax returns or W-2s.
What You'll Need
- Property address & purchase contract (or existing deed for refi)
- Current lease agreements or rental market analysis
- Entity documents (LLC preferred, not required)
- Photo ID
- 620+ credit score preferred (flexible case-by-case)
- Property insurance quote
- No tax returns or personal income docs required
What Is DSCR Lending?
Debt Service Coverage Ratio (DSCR) loans qualify based on the property's rental income — not yours. If the rent covers the mortgage, you qualify.
Property Pays the Loan
We look at monthly gross rent vs. monthly payment. A 1.0x DSCR means the rent exactly covers the mortgage — we go as low as 1.0x.
No W-2s or Tax Returns
Self-employed? Multiple LLCs? Doesn't matter. We don't ask for personal income documentation. Your rental income is the qualifier.
Scale Without Limits
Unlike conventional loans that cap at 10 financed properties, our DSCR program has no portfolio limit. Finance property 11, 20, or 50+.
Rental Loan FAQs
Common questions about DSCR loans and rental property financing.
Ready to Finance Your Rental Portfolio?
Submit your deal today. No income docs. No tax returns. Just the property.