DSCR loans qualify entirely on the property's rental income, not your W-2s or tax returns. If the deal cash flows, it qualifies.
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Qualify on cash flow, not tax returns.
The Bedrock Mortgage team was straightforward and genuinely helpful every step of the way. My bank had cut me off and I wasn't sure where to go next. They walked me through the DSCR program and it opened things back up.
David M.Bedrock Mortgage made the whole process feel manageable. I'm self-employed and had kind of given up on expanding the portfolio the traditional way. They found a path forward and were always reachable when I needed them.
Tony R.An agency loan wants your tax returns, your pay stubs and a debt-to-income ratio that survives every write-off you took last year. We underwrite investment loans on what the property collects in rent, which is the number that actually decides whether the deal works.
Good deals move fast. Pre-approved DSCR buyers close before the competition has finished talking to their bank.
Once a rental has seasoned, you can pull equity from it at mortgage rates to fund your next acquisition. We handle both the cash-out and the purchase loan.
Qualify on rental income alone. No W-2s, no tax returns, no DTI calculation. Short-term rentals eligible on qualifying programs.
→DSCR loans for non-resident investors buying Florida real estate. No US credit history required.
→Pull equity from existing rentals at mortgage rates to fund your next acquisition. We handle the cash-out and the new purchase loan.
→Own a business and invest in real estate? Bank statement loans let you qualify on real income, not paper income.
→Get the property address, expected rent, and estimated taxes and insurance ready. We'll show you whether the deal qualifies on the cash flow before you make an offer.
We calculate the debt service coverage ratio: monthly rent divided by monthly loan payment. If that number is at or above 1.0, the property qualifies. Your personal income and existing debt load are not factors.
Processing, underwriting and pricing sit in house, so the file isn't waiting in another company's queue. We average 21 days from application to funded, which matters when you're competing against other buyers.
Each property is underwritten on its own cash flow, so the next deal is priced on the next deal's rent rather than on a debt-to-income ratio that gets harder to pass every time you buy.
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.
Yes, on qualifying programs. Airbnb and VRBO income can be used to qualify rather than underwriting the property on a twelve-month lease. The documentation differs from a standard lease file, so tell us it's a short-term rental when you send the scenario.
No, but many investors choose to close in an LLC for liability protection and easier portfolio management. We can structure your loan for either a personal or entity closing.
Yes. A 1031 exchange defers capital gains taxes on the sale of one investment property while you finance the purchase of another. We coordinate directly with your qualified intermediary to keep the timeline on track.