Let the property qualify for the loan — not your tax return.
DSCR loans look at the rent a property can earn, not your personal income. We shop investor lenders for long-term rentals, short-term rentals, and portfolio growth.
Real estate investors, short-term rental owners (a big market in Southern Utah), buyers closing in an LLC, and anyone whose tax returns don't show their real cash flow.
What makes DSCR different
The property makes the case.
No personal income verification
In most cases — the property's rent does the work.
Close in an LLC
With many lenders.
Long-term and short-term rentals
Some lenders accept short-term rental income.
Keep growing
Many lenders don't cap how many properties you finance.
Why a broker helps
DSCR rules vary more than almost any other loan: minimum ratios, short-term rental rules, reserves, prepayment options. The right lender for one deal is often wrong for the next, so we shop every deal.
How it works
Three steps to closing.
Send us the deal
Address, price, expected rent.
We run the ratio and shop lenders
Lenders whose rules fit that property.
You close
In your name or your LLC — and we're ready for the next one.
Questions, answered straight
Common questions
What is DSCR?+
Debt Service Coverage Ratio: the property's rent divided by its monthly housing payment. Higher is better.
Can I use short-term rental income?+
With some lenders, yes.
Do I need investing experience?+
Not always. Some lenders work with first-time investors.
Is there a prepayment penalty?+
Many DSCR loans have one, and it's often adjustable. We'll show you the options.
Got a deal in front of you? Send it over and I'll run it.
(435) 275-6349Get your options in about a minute
Tell us a little about your situation and we'll prepare your options.
Talk to us directly
Call, text, or book a time that works. We'll walk you through what's possible for your situation.