Built for real estate investors
DSCR Rental Property Loans for Real Estate Investors
Qualify on your property's rental income — not your tax returns. Purchase, refinance, or cash out and keep scaling your portfolio.
No tax returns required
Same-day approvals
No credit score impact
Why Choose Our DSCR Investor Loans?
No Tax Returns or W-2s Required
Qualify on the property's rental income. Ideal for investors who maximize their tax write-offs.
Fast, Streamlined Closings
We know exactly what to ask for and what to skip. You close in days, not weeks.
Scale Without Hitting a Ceiling
No cap on personal debt-to-income. Keep buying, refinancing, and growing your portfolio.
Top DSCR Lender for Real Estate Investors
Miller Lending Team powered by NEXA Lending | NMLS #1660690
- DSCR purchase and cash-out options
- Short / long-term rentals and fix-and-flips
- Rates from 100+ lenders
- Same-day approvals and streamlined funding
- No tax returns required
Discover If You Qualify for DSCR Financing
Instant Qualification Check
- Find out in minutes if you meet the DSCR loan requirements.
- No obligation and no impact on your credit score.
- Get personalized results tailored to your situation.
Frequently Asked Questions
Is it harder to get approved for a DSCR loan as an investor?
Not with our investor-focused DSCR programs. Instead of verifying personal income, we qualify you on the rental income potential of the property itself — no W-2s or tax returns needed. With a 680+ credit score and 20-25% down, you land in our preferred tier for the most competitive terms.
What credit score do I need for a DSCR loan?
A 680+ score positions you for our best pricing and most flexible terms. Above 720 unlocks our lowest rates. Our DSCR programs go down to 620, but 680 and up is the optimal range for investment-property financing.
What down payment is required?
For qualified investors, DSCR down payments start at 20%. Refinances typically call for around 25% equity to access the strongest rates. Higher down payments than a primary residence are standard, but rental-income qualification makes it worthwhile.
How long does approval take?
Because we skip heavy income documentation, DSCR loans typically close in 7-21 days. Pre-approval often comes within 48 hours once we have your credit report and basic property details — an edge worth having when you're making offers.
Can I qualify without showing personal income?
Yes — that's the core advantage. We look at the debt service coverage ratio: whether the property's rental income covers the mortgage, taxes, and insurance. No pay stubs or employment verification. We simply need an appraisal or rent roll to confirm the property meets our minimum DSCR (usually 1.0 to 1.25 depending on the program).
Ready to see what you qualify for?
Check your eligibility in minutes. No obligation, no hit to your credit.
Check Your EligibilityCheck Your DSCR Eligibility
Answer a few quick questions. No obligation, no impact on your credit score.
Prefer to Talk It Through?
Book a quick call with our team and we'll walk you through your options.