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Rental property financed with a DSCR investor loan

For Real Estate Investors

DSCR Investor Loans —
Qualify on Rental Income

DSCR loans let you qualify based on rental income — not personal income. A strong fit for investors with a meaningful down payment, LLCs and anyone building a rental portfolio.

  • Typically no personal tax returns
  • LLC closings available
  • Purchase & cash-out refinance
  • 1–4 units, condos, STRs
  • Financing for multiple properties
  • Most loans close in about 21 days

Investor Quick Quote

DSCR financing for 1–4 unit rental properties, typically without personal tax returns.

By submitting this form, you agree that Cierra Aranya may contact you by email or phone about your inquiry. Submitting this form is not an application for credit and does not pull your credit. See our Privacy Policy. Cierra Aranya, NMLS #7258 · Liberty Capital Services, NMLS #917485 · Equal Housing Opportunity.

Why DSCR

The investor's secret weapon.

DSCR (Debt Service Coverage Ratio) loans qualify mainly on the property's rental income compared to its housing costs, rather than your personal income. Credit, reserves and property eligibility still apply.

Less income paperwork

Typically no W-2s, tax returns or pay stubs.

Close in your LLC

Build your portfolio under business entities.

Built to scale

Finance multiple rental properties, subject to lender guidelines.

Cash-flow based

Property rental income is the main qualifier.

1–4 units

Property types

LLC

Closings available

STR & LTR

Short- & long-term rentals

OH · FL · CA

Licensed states

Ready to grow your portfolio?

Get a personal investor quote. Requesting a quote doesn't pull your credit, and there's no commitment.

Get My Investor Quote

Cierra Aranya, Mortgage Banker, NMLS #7258 · Liberty Capital Services, NMLS #917485 · Worthington, OH 43085 · Serving the Columbus area and clients in Ohio, Florida and California · (614) 390-2963 · Licensed in Ohio, Florida and California. Verify at NMLS Consumer Access. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property eligibility. Programs, rates, terms and fees are subject to change without notice. Equal Housing Opportunity.

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