Complete your application in under 10 minutes
Our application is designed for real estate investors and skips unnecessary personal income documentation and W2s — complete the process in under 10 minutes.
Leased properties often have untapped equity — extract cash for your next property purchase or fund improvements that boost rental income.
Receive dependable approval and detailed loan options quickly, enabling you to calculate your return on investment and move forward confidently.
Your dedicated Loan Officer ensures streamlined communication with minimal delays, keeping you informed throughout the entire process.
| Feature | DSCR Loan | Traditional Buy Investment Property Loan |
|---|---|---|
| What It Is | DSCR = Debt Service Coverage Ratio (property's rental income/debt) | Relies on your personal income to support loan payments |
| Approval | Based on rental income (no paystubs, no W-2s, no tax returns) | Based on personal income and DTI |
| Paperwork | Less— no tax returns, no personal income verification | Extensive documentation required |
| Investor-friendliness | Designed for real estate investors, LLCs, and corporations | Often more restrictive — favors individuals over entities |
| Title vesting | Close in your LLC or your personal name | Typically you cannot close in an LLC |
| Property use | Long and short term rental OK | Typically long-term rental only |
| Borrowing limits | No limit to number of properties you can own | Personal income caps how much you can borrow |
Personal income-based financing limits portfolio growth. DSCR loans remove these restrictions and enable unlimited expansion.
Traditional investment loans depend on your personal income for qualification — after acquiring several properties, your borrowing capacity becomes exhausted.
DSCR (Debt Service Coverage Ratio) is calculated by dividing the property's gross rental income by total debt obligations. Debt includes principal, interest, taxes, and insurance. A higher ratio typically results in better interest rates.
While DSCR loans offer significant advantages, interest rates may be slightly higher. For investors not at maximum capacity with existing properties, conventional financing could be more cost-effective. We'll analyze your situation to determine the best approach.
Working with Bedrock was one of the best experiences we've ever had with a lender for our rental properties. The communication was stellar. I highly recommend them and they will be my go-to lender moving forward.
I will definitely be using their services moving forward and would recommend Bedrock to any investors! They made the whole DSCR process smooth and easy. Closed in under 3 weeks!
DSCR loans through Bedrock have been a game changer for growing my rental portfolio. No more jumping through hoops with personal income docs. Just straightforward, fast service.