Stop qualifying with your income.

Qualify with your property's cash flow.

Whether you're self-employed, an investor, or building a rental portfolio, a DSCR loan allows you to qualify based on the income your property generates — not your tax returns. 

Check my eligibility

Understanding DSCR Loans

A DSCR (Debt Service Coverage Ratio) loan is designed for real estate investors who want to qualify based on rental income rather than personal income.

Instead of reviewing your W-2s, tax returns, or employment history, lenders evaluate whether the property's rental income can cover the monthly mortgage payment.

- No tax returns required

- No employment verification

- Finance investment properties

- Ideal for self-employed borrowers

- Build your real estate portfolio faster

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Built for Real Estate Investors 

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Loans Funded

DSCR

Investor-Friendly Programs

Fast

Approvals & Closings

Flexible

Income Documentation

Frequently
Asked
Questions

You can also get help from a Home Loan expert

What is a good DSCR ratio?
Most lenders prefer a DSCR of 1.0 or higher, while some programs offer better terms at 1.20 or 1.25 and above.
Most DSCR programs do not require personal tax returns for qualification.
Many DSCR programs allow short-term rental income based on market rent studies.
You remain responsible for the mortgage payment. Many investors maintain reserves to cover vacancies and unexpected expenses.
Yes. Some DSCR programs are available even if you do not currently own investment properties.
Single-family homes, condos, townhomes, multi-family properties, and some short-term rental properties.

Turn Rental Income Into Your Next Investment

Whether you're purchasing your first rental property or expanding your portfolio, Quick Mortgage can help you find the right DSCR loan solution.

No tax returns. No income verification. Just a smarter way to finance investment properties

    At Quick Mortgage, we help real estate investors secure financing based on a property's rental income potential. DSCR loan eligibility is determined by factors including cash flow, credit profile, property type, and lender guidelines.
    Loan approval is subject to qualification requirements and program guidelines. Services available in Arizona, Texas, New Mexico, Colorado, and California only.