Qualify using the property's income. Perfect for self-employed investors who write off everything and can't show enough taxable income.
Get a DSCR rate quote
Tell us about your investment property.
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.
"Hit the Fannie Mae cap at 4 conventional loans and thought I was stuck. Heard about DSCR, called Bedrock, bought 6 more in 18 months. Ten doors now, $18,400 gross rent a month. Net around $4,200 after everything. Left my day job in March. It took longer than the Instagram version makes it look, but it happened."
"I run a business and my returns are optimized to look terrible. Bought three rentals in 2024. They never asked for a tax document, just needed the down payment, the appraisal, and confirmation the rent covers the note. Cash flowing $1,850 combined."
"4-plex, $565k, 25% down. Rent rolls at $4,400, mortgage at $3,150. DSCR is 1.40. The whole approval process basically came down to one question: can the property pay for itself? It could."
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.
Zero tax returns, W-2s, or pay stubs. Ideal for investors who write off everything.
If the rent covers the mortgage, you qualify. Your personal DTI, W-2s, and tax history are not part of the equation.
Liability protection from day one. We handle the loan directly in your LLC's name.
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.
→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.
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.
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.