NO DSCR NO Ratio Loans
NO Income
NO Ratio
NO Reserves
Fast Flexible Financing for Investors
What Is a No DSCR Loan?
Discover a smarter, hassle-free way to fund your investment properties!
A No DSCR Loan—also called a No Ratio DSCR Loan, or a No Debt Service Coverage Ratio Loan —is designed to simplify the process for investors.
You can qualify without proving rental income or adhering to strict cash-flow calculations.
Whether you’re purchasing or refinancing, this unique loan option keeps things simple and fast, empowering you to seize opportunities without delays.
Why Choose a No DSCR Rental Loan?
No DSCR Rental Loans, also known as No-Doc Loans, eliminate traditional DSCR Loan roadblocks, focusing on your property’s value and equity- not its cash flow. Key benefits include:
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No rental income verification
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No cash-flow calculations
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No tax returns or income proof required
Get funded in as little as 2-3 weeks and start growing your portfolio today!
Hassle-Free Loan Requirements
Qualifying for a No DSCR Mortgage is simpler than you think:
- No tax returns or income verification
- No rental income or lease agreements required
- No reserves needed
- Quick funding in just 2-3 weeks
If you meet the credit score and LTV requirements, you’re already halfway there!
What Sets No DSCR Loans Apart?
No DSCR Loans offer unmatched flexibility and simplicity for investors. With these loans, you can:
Purchase, refinance, or cash-out refinance
Access up to 75% loan-to-value (LTV)
![AdobeStock_585680180 [Converted]](https://www.homelifemtg.com/hubfs/AdobeStock_585680180%20%5BConverted%5D.png)
Achieve 90% maximum CLTV with as little as 15% down. 10% seller carry back 2nd TD (minimum 3-year term)
Qualify with a minimum credit score of 660
Close quickly- no income or cash-flow delays
Flexible Loan Term Options
Choose loan terms that align with your investment strategy:
- 30-year fixed rate or an interest-only option for up to 10 years
- Loan amounts from $250,000 to $5 million
- Finance single-family homes, condos, townhomes, or 2–4-unit properties
- Title flexibility: Purchase or refinance under an LLC, corporation, or individual name
Buying an Investment Property?
Imagine securing your dream property without the hassle of proving rental income. With a No DSCR Mortgage, you can focus on identifying profitable opportunities and maximizing returns.
Move fast to secure the right property with ease!
Refinancing an Investment Property
Refinancing into a No DSCR Rental Property Loan lets you:
- Access equity for repairs, improvements, or other investments
- Fund your next real estate acquisition
Savvy investors understand the power of leverage. Tap into your equity today and scale your portfolio with confidence!
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