Qualify using the property's income. Perfect for self-employed investors who write off everything and can't show enough taxable income.
Buy a rental property qualifying on projected rent alone. No W-2s, no personal income verification. Close in 21 days.
→ Access EquityPull equity from existing rentals to fund your next deal. Up to 75% LTV at DSCR rates, no income docs needed.
→ Non-US CitizensSame DSCR program for non-resident investors. No US credit history required. Portfolio-funded direct approval.
→ Short-Term RentalsWe use AirDNA market data to qualify short-term rental income. Qualify on market rents, not just current leases.
→See how our direct-lender rates compare to what wholesale brokers offer their clients on the same loan.
LTV 80% · Credit score 720 · Single family · DSCR 1.00 · Florida · Rates subject to change.
* Discount Point: Upfront fee at closing to lower your rate. 1 pt = 1% of loan amount.
** NPP: No pre-payment penalty. Pay off early, sell, or refinance anytime.
DSCR stands for Debt Service Coverage Ratio. Instead of verifying your personal income through tax returns and pay stubs, these loans qualify you based on whether the rental property generates enough income to cover its mortgage payment.
Your personal income, DTI, and tax returns are irrelevant. DSCR loans are the investor's mortgage, approved on the property's rental income alone. If DSCR ≥ 1.0, you're in.
Get Pre-Qualified →Zero tax returns, W-2s, or pay stubs. Ideal for investors who write off everything.
No artificial cap. Scale your portfolio as far as the cash flow takes you.
Your personal DTI is irrelevant. DSCR of 1.0+ and you're approved. That's it.
Liability protection from day one. We handle the loan directly in your LLC's name.
DSCR = Monthly Rent ÷ Monthly Mortgage Payment. If the ratio is ≥ 1.0, the property covers itself. Get the expected rent and we'll tell you if the deal qualifies before you commit.
Submit the property address and 20–25% down. No tax returns, no employment verification, no personal income documentation. The property's cash flow is your application.
For vacant properties, the appraiser establishes the market rent. For occupied properties, we use the lease. Either way, the underwriting is driven by the property, not you.
In-house underwriting means no third-party delays. Close property #1. Rent it out. Come back for property #2. No cap on how many DSCR loans you can carry with us.
"Hit the Fannie Mae limit at 4 conventional loans. Switched to DSCR, bought 6 more properties in 18 months. Portfolio now: 10 doors, $18,400/month gross rent. Net cash flow after expenses is around $4,200/month. Quit my W2 job in March. DSCR loans made this possible."
"Self-employed, my tax returns are a mess on purpose. Bought 3 rentals in 2024. Bedrock Mortgage didn't ask for a single tax return or W2. Just 20% down and appraisals. Cash flowing $1,850/month combined. Game changer."
"Bought a 4-plex for $565k, 25% down. Rents $4,400/month, mortgage $3,150. DSCR = 1.40. No tax returns, no income verification. Just the rent roll and appraisal. Tenants paying down my mortgage."
Most lenders require a minimum DSCR of 1.0–1.1, meaning rental income covers or exceeds the mortgage payment. Ratios of 1.25+ get better rates. We can work with ratios as low as 0.75 with larger down payments.
We use the actual lease if the property is currently rented, or an appraisal's market rent estimate for vacant properties. Short-term rental income qualifies using 12–24 months of Airbnb/VRBO statements.
Minimum credit score is typically 680, though 700+ gets better rates. Higher DSCR ratios may allow lower credit scores. We review your full profile to find the best option.