DSCR Loan Calculator
(For Real Estate Investors & Rental Property Loans)
☝️ Takes 30 seconds to complete
No W2 • No Tax Returns • No Credit Impact
Low Rates • Close in 14 Days
No Personal Income Verification
Your approval is based on rental income from the property, not your job, tax returns, or pay stubs.
Fast, Streamlined Closings
We move fast. Our loan team knows exactly what to ask for—and what to ignore. You close in days, not weeks.
Scale Without Hitting a Ceiling
There’s no limit based on your personal debt. That means you can keep buying, refinancing, and growing your portfolio.
Top DSCR Lender For Real Estate Investors
Brian Cowan
NMLS 211522
Investment Property Loan Expert
Brian Cowan
Top Rated Private Mortgage Lender
DSCR Purchase and Cash Out Options
Short / Long Term Rentals & Fix and Flips
We Offer Rates From 100+ Lenders
Same Day Income & Credit Approval
No Tax Returns Required!
Top DSCR Lender For Real Estate Investors
Brian Cowan
NMLS 211522
Brian Cowan
Top Rated Private Mortgage Lender
DSCR Purchase and Cash Out Options
Short / Long Term Rentals & Fix and Flips
We Offer Rates From 100+ Lenders
Same Day Income & Credit Approval
No Tax Returns Required!
Discover If You Qualify for DSCR Financing
Instant Check - No Credit Score Impact!
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 financial situation
Discover If You Qualify for DSCR Financing
Instant Check - No Credit Score Impact!
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 financial situation
Frequently Asked Questions
Aren't DSCR loan rates higher than conventional loans?
While DSCR rates are typically 1-2% higher than conventional loans, they unlock investment opportunities that conventional loans simply can't. The ability to scale your portfolio without income verification, close in an LLC, and qualify based on property performance creates wealth-building potential that far outweighs the modest rate difference. Many of our investors see ROI improvements of 20-30% despite the higher rate.
Do I need perfect credit to qualify for a DSCR loan?
No! While conventional lenders often require 740+ credit scores, to qualify for a Debt Service Coverage Ratio loan, our DSCR loans can be approved with scores as low as 660. We focus more on the property's performance than your personal credit history. Even investors with past credit challenges have successfully secured financing through our program.
Is a 20-25% down payment really necessary?
Yes, but this is actually an advantage for serious investors. Higher down payments mean lower monthly payments and better cash flow. For properties with strong income potential, we offer DSCR financing options that maximize your returns despite the initial investment. Many investors use the cash-out option after 6 months to recover their down payment for the next property.
How long does the DSCR loan approval process take?
Unlike conventional loans that can take 45-60 days, our DSCR investment property loans typically close in 15-25 days. This speed gives you a competitive advantage when making offers, especially in hot markets where sellers prefer quick closings. Our streamlined process eliminates the extensive documentation requirements of traditional loans.
What if my property doesn't have rental income yet?
No problem! For purchase loans on properties without existing rental history, our investment property lenders use market rent estimates from a professional appraiser. This allows you to qualify based on the property's potential income rather than its current state. This is especially valuable for properties needing renovation or newly converted to rental use.
Do DSCR loans work for short-term rentals like Airbnb?
Absolutely! Our DSCR lenders specialize in financing both traditional long-term rentals and short-term vacation rentals. While some private mortgage lenders, avoid STRs, we understand their higher income potential and have specific programs designed for Airbnb and VRBO properties. Our rental property lenders use specialized income calculation methods that account for seasonal variations in short-term rental income.
What is a Bridge loan and how does it work for my fix and flip project?
We use bridge lending to help investors secure the capital they need to purchase and renovate properties with speed. Our bridge loan and swing loan programs are designed specifically for fix and flip loan scenarios, with approvals based primarily on the property’s current and after-repair value (ARV), rather than your personal income. This allows us to move fast, fund your property rehab, and position you to sell or refinance once the project is complete.
Copyright © 2026 - Brian Cowan - NMLS ID: 211522 - All Rights Reserved
Brian Cowan is not affiliated with or endorsed by any government agency. This website is for informational purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Rates vary based on LTV, FICO, and DSCR ratio. No advertisement or solicitation from Brian Cowan is meant to be a mortgage brokering activity or mortgage lending activity. All brokering or lending activities can only be completed by a licensed loan originator. To see if your loan officer is licensed in your state, please go to https://www.nmlsconsumeraccess.org
