Qualify on the rent, not your tax returns.
DSCR loans let real estate investors qualify on a property’s rental cash flow instead of personal income — no tax returns and no DTI. Scale your portfolio faster.
Qualify on rental income
We use the property’s cash flow (DSCR) — no personal income docs, no tax returns.
No DTI limits
Your personal debt-to-income doesn’t cap you — great for investors with many properties.
Buy in an LLC
Close in your LLC or personal name, and finance single-family through multi-unit.
“I closed two rentals this year without ever showing a tax return. They qualified me on the rent — it’s a game changer for scaling.”
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What is a DSCR loan?
A DSCR loan qualifies real estate investors on a rental property’s income instead of personal income — no tax returns or debt-to-income ratio. If the projected rent covers the mortgage payment (a DSCR around 1.0 or higher), you can qualify. Pacific Lending offers DSCR loans to purchase or refinance investment properties.
Built for real estate investors
Real advantages tailored to your situation.
Qualify on rental income
We use the property’s cash flow (DSCR) — no personal income docs, no tax returns.
No DTI limits
Your personal debt-to-income doesn’t cap you — great for investors with many properties.
Buy in an LLC
Close in your LLC or personal name, and finance single-family through multi-unit.
Scale your portfolio
Often no limit on the number of financed properties — keep growing.
How it works
Three simple steps from question to keys.
- 1
Tell us about the property
A few quick questions about the property and its rent.
- 2
Verify & review
Confirm your number and a specialist checks the DSCR and your options.
- 3
Get your terms
Receive investor-friendly loan options built around the property’s cash flow.
Frequently asked questions
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property on its rental income versus its total mortgage payment — not on your personal income or tax returns. A DSCR of 1.0 means rent covers the payment; many programs allow below 1.0 with adjustments.
Do I need tax returns or pay stubs?
No. DSCR loans skip personal income documentation entirely — no tax returns, W-2s, or DTI calculation. We focus on the property’s cash flow.
Can I close in an LLC?
Yes. DSCR loans commonly allow vesting in an LLC (or your personal name), which many investors prefer for liability and organization.
What about short-term rentals (Airbnb)?
Many DSCR programs allow short-term rental income. Tell us the property type and we’ll confirm how the income is counted.
How many properties can I finance?
DSCR programs often have no cap on the number of financed properties, making them ideal for scaling a portfolio. Guidelines vary by investor.