DSCR loans in all 50 states. Qualify on rental income, not yours. No tax returns or W-2s required. We fund with our own capital and close in 21 days.
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Two numbers and we'll show you the ratio, the payment and how to structure it.
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DSCR loans qualify on the property's rental income, not your personal income or tax returns. We fund every one ourselves and have built our process specifically around this loan type, not bolted it onto a conventional pipeline.
Explore DSCR loansDSCR loans are business-purpose investment loans, so our reach goes well beyond Florida. We fund in all 50 states and Washington D.C.
Most lenders require a minimum DSCR of 1.0 to 1.25. We can work with ratios as low as 0.75 when paired with a larger down payment.
Conventional lending limits how many financed properties you can carry. DSCR loans don't, since each property is underwritten on its own cash flow.
We honestly never imagined owning a home this early in life, then we met Ari. As our loan officer, she went above and beyond to turn what felt like a dream into our reality. We'll be recommending Bedrock Mortgage to absolutely everyone we know without hesitation!
Sofia P.I live in Florida but the property was in Texas and I kept asking if that was gonna be an issue, and they just kept saying it's the same process either way, and it actually was. It was great working with them!
Max L.Qualify on rental income alone. For investors building a real estate portfolio.
→3.5% down. Government-backed. Works for most credit profiles, including scores below 680.
→Best rates for W-2 borrowers with solid credit and stable employment history.
→Use 12–24 months of bank deposits instead of tax returns. Built for entrepreneurs.
→Financing above conforming limits for luxury properties across Florida.
→DSCR programs for non-resident investors buying Florida real estate.
→Takes about five minutes. We ask about your income, what you're buying, and your timeline. No documents needed at this stage.
They review your file, run your credit, and walk you through what you qualify for. The same person stays on your loan through closing.
We review your income, assets, and credit and issue a pre-approval letter. It's a verified, documented pre-approval, not a quick soft-pull estimate.
Once you're under contract, we lock your rate and collect documents through our borrower portal. Because we fund the loan ourselves at closing, you're not waiting on a separate bank to release the wire.
I'm buying a in county, FL for , putting % down. My credit score is , and I plan to use it as my .
I have a mortgage balance of at % interest on my in county, FL worth . My credit score is , and I use it as my .
*Property tax and insurance are estimates based on Florida averages. Actual amounts may vary by location and property.
A pre-qualification doesn't touch your credit, and neither does the application itself. We only check credit after you've signed a credit authorization, so nothing happens without your explicit OK. When we do run it, it's a single mortgage inquiry that typically affects your score by five points or less. And if you're comparing lenders, all mortgage inquiries within a 45-day window count as one.
We fund our own loans with our own capital, so there's no waiting on someone else's bank to release the wire at the closing table. We also run processing parallel to the appraisal instead of waiting for one to finish before starting the other. The timeline assumes complete documentation from day one.
No. Conventional loans start at 3–5% down. FHA goes to 3.5%. The tradeoff is PMI on anything below 20%, which falls off automatically once you hit 20% equity. We'll show you the exact monthly cost of each scenario so you can decide what makes sense.
Yes, and it's one of the things we're specifically built for. If your tax returns don't reflect your actual income, our Bank Statement program uses 12–24 months of deposits instead. We look at what you actually make, not what accountants reduce it to on paper.
Yes, that's what a DSCR loan is built for. Qualification is based on the property's rental income compared to the mortgage payment, not your personal income or tax returns. If the rent covers the payment, the loan typically qualifies. It's one of our most requested programs among investors building a portfolio.
Pre-qualification is a quick estimate based on what you tell us. Takes minutes, no credit check. Pre-approval is a verified review of your income, assets, and credit, and produces a letter sellers take seriously. We recommend getting pre-approved before making offers.
Response within one business day
→Takes about 10 minutes. No documents needed upfront.
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