DSCR loans that qualify on cash flow, not your income. No 10-property limit. No DTI requirement. Just the deal.
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Qualify on cash flow, not tax returns.
"Had two rentals with Wells Fargo, they cut me off at property three. Fannie Mae cap. Switched to Bedrock for DSCR loans, bought three more over the next six months. Eight doors now, $16,200 gross a month. After all expenses I net about $4,400. Put in my notice in Q1. It took longer than it sounds but it happened."
"Self-employed, my tax returns look terrible on purpose. Bought three rentals in 2024. Bedrock never asked for a return or a W2, just verified the rents, checked the down payment, confirmed the deal made sense. Cash flowing $1,850 combined."
"Bought a triplex, live in one unit, rent the other two for $2,900 a month. Total mortgage is $2,840. So my tenants cover the payment and I'm building equity on top of it. Not glamorous, but it works."
Conventional lending caps portfolios at 10. Our DSCR programs have no limit. As long as the deals cash flow, you keep buying. Property 11, 25, 50. We've funded them all.
Good deals move fast. Pre-approved DSCR buyers close before the competition has finished talking to their bank.
Pull equity from existing rentals to fund your next down payment. BRRRR works best with a lender who closes in 21 days.
Qualify on rental income alone. No W-2s, no tax returns, no DTI calculation. Scale your portfolio without limits.
→ Non-US CitizensDSCR loans for non-resident investors buying Florida real estate. No US credit history required.
→ Access EquityPull equity from existing rentals at mortgage rates to fund your next acquisition. The BRRRR method, powered by us.
→ Self-EmployedOwn a business and invest in real estate? Bank statement loans let you qualify on real income, not paper income.
→DSCR loans live and die by cash flow. Get the property address, expected rent, and tax/insurance estimates ready. We'll show you if the deal qualifies before you make an offer.
DSCR loans qualify based on the property's rental income alone. Self-employed, multiple rentals, unconventional income, none of that matters. The deal qualifies itself.
Investment markets are competitive. Our in-house funding means no wholesale delays, you close faster than buyers using banks or brokers, and sellers know it.
Most lenders cut you off at 10 properties. We don't. Our portfolio programs let you keep buying as long as the deals cash flow. Property #3, #10, #25, we've funded them all.
Minimum down payments range from 15–25% depending on the loan program and property type. DSCR loans usually need 20–25% down.
Yes. DSCR loans qualify based entirely on the property's rental income. If the property cash flows, you can qualify regardless of personal income or tax returns.
With our portfolio programs, there's no limit. We work with investors who have 20, 30, or more rental properties. Your ability to manage and cash flow is what matters.