
NO DSCR Loans - Purchase
No Rental Income or Cash-Flow requirements
Low as 15% Down Payment
10% Seller Carry Back 2nd TD
Rated Excellent with 136 reviews on Trustpilot.
What is a No-DSCR Loan?
Discover a smarter, hassle-free way to fund your investment properties! A No DSCR Loan—also known as a No Ratio DSCR Loan or No Debt Service Coverage Ratio Loan—eliminates traditional roadblocks for investors.
With no need to prove rental income or meet stringent cash-flow requirements, you can qualify quickly and confidently for purchases or refinances.
How You Can Buy an Investment Property with
as Little as 15% Down
90% CLTV
With our Seller Carry Back 2nd TD program, you can achieve a 90% Combined Loan-to-Value (CLTV) with just 15% down.
Examples with a $1,000,000 Purchase Price
- 15% Down Payment:
Buyer provides $150,000.
Seller carries back 10% ($100,000) as a second trust deed.
Maximum combined Loan-to-Value (CLTV): 90%.
Key Features of the No DSCR Loan Program
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Purchase, refinance, or Cash-Out Refinance: up to 75% loan-to-value (LTV)
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No Tax Returns or Income Proof Needed
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No reserves required: Retain your cash for other investments
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90% Maximum CLTV: with low as 15% down payment and 10% seller carry back 2nd TD (minimum 3-year term)
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Minimum credit score: 700
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Quick funding: close in as little as 2-3 weeks
Flexible Loan Term Options
Choose loan terms that align with your investment strategy:
skip income and cash-flow requirements.

30-Year Fixed Rate
or Interest-Only Terms up to 10 Years

Loan Amounts
$250,000 to $5 million

Flexible Title Options
Purchase or Refinance under an LLC, corporation, or individual name.

Eligible Property Types
Single-Family Homes, Condos, Townhomes, and 2-4 Unit Properties.
The No DSCR Loan Process

Talk to an
expert today
Get a free consultation and quick quote

Get
Pre-approved
Receive your terms within 48 hours, know your rate and costs upfront

Close
Fast
Appraisal and final underwriting take just 2-3 weeks
Why wait? Start your investment journey today!

Don't Wait! Start Your Investment Journey Today
Let's Run the Numbers.
Our Committment to Excellence
At HomeLife Mortgage, we pride ourselves on delivering top-tier service and financing solutions for investors. But don’t take our word for it—our 136 Trustpilot reviews and excellent 5-star rating speak for themselves.