DSCR loans qualify entirely on the property's rental income, not your W-2s or tax returns. If the deal cash flows, it qualifies, regardless of how many properties you already own.
Get an investor rate quote
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.Conventional lending caps portfolios at 10 financed properties. We don't use conventional underwriting for investment loans, which means that ceiling doesn't apply. We've funded portfolios well past 10, 20, and 30 properties with the same borrower.
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. Scale your portfolio without limits.
→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.
Because we fund the loan ourselves at closing, there's no waiting on someone else's bank to release the wire. 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 adding another loan doesn't affect your existing ones. There's no cap on how many we can finance.
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.
Yes. We offer short-term bridge and fix and flip financing based on the property's after-repair value, not your personal income. Funds can cover both the purchase and renovation costs.
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.