No personal income required
No W-2s, pay stubs, or tax returns are required in many DSCR scenarios.
Loan Programs
DSCR loans for real estate investors who want a cleaner path to scale
TopOne Mortgage helps investors qualify using rental income instead of personal tax returns, with structures that work for LLC ownership, short-term rentals, and cash-out refinance strategies.
A DSCR, or debt-service-coverage-ratio, loan qualifies primarily on the cash flow of the property instead of the borrower’s personal income documentation. If the rental income supports the proposed housing expense, investors often have a direct and scalable path to financing.
Qualify on rental income
Approval is driven primarily by the subject property’s cash flow and expense profile.
Entity-friendly ownership
Many files can close in an LLC, trust, or individual name depending on strategy.
Commonly used for one- to four-unit investment properties.
Often up to 75 percent loan-to-value depending on credit, reserves, and property performance.
Purchase, rate-term refinance, and many cash-out refinance scenarios.
Fixed-rate, interest-only, short-term-rental friendly, and entity-closing structures can all be available.
Why Borrowers Choose This Program
DSCR Loans advantages at a glance.
- Excellent fit for investors scaling a rental portfolio.
- Helpful option for self-employed borrowers whose returns understate real cash flow.
- Supports LLC, trust, or individual ownership in many cases.
- No limit on the number of financed properties in many investor-focused structures.
- Clean alternative to conventional financing when tax-return complexity gets in the way.
Frequently Asked Questions
Helpful detail before you apply.
What does DSCR mean?
DSCR stands for debt service coverage ratio. It compares rental income to the proposed housing expense for the property.
Can short-term rentals qualify?
Often yes, depending on the lender, appraisal support, and documentation for projected income.
Can I use an LLC?
In many DSCR programs, yes.
Can I do a cash-out refinance?
Often yes, subject to seasoning, leverage, and lender guidelines.
Start The Process
Tell us a bit about your DSCR Loans scenario.
We will review your information, organize next steps, and tell you which documents will move the file forward fastest.
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