Loanoligi’s DSCR loan program lets real estate investors qualify based on property cash flow. No personal income docs. No tax returns. Just results.
Answer 7 quick questions — takes under 2 minutes
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A Loanoligi loan specialist will contact you within 24 hours to review your DSCR loan options and get you moving toward closing.
Qualifying is simpler than a traditional mortgage. We focus on one thing: does the property generate enough rental income to cover the payment?
Fill out our short qualifier with basic property and contact details. No stacks of paperwork upfront.
We calculate your DSCR by dividing projected rental income by the total mortgage payment (PITIA).
Receive your pre-qualification quickly — no waiting on tax transcripts or employer verifications.
Close on your investment and grow your portfolio. No limit on the number of properties you can finance.
Traditional mortgages were designed for homeowners — not investors. Our DSCR programs are built differently.
Self-employed? Multiple write-offs? None of that hurts you here. We never look at personal tax returns.
Unlike conventional loans capped at 10 financed properties, DSCR loans have no such restriction.
Single-family, 2-4 unit, condos, short-term rentals (Airbnb/VRBO) — all eligible for financing.
Take your DSCR loan in the name of an LLC to protect personal assets and simplify your accounting.
Access equity in your investment properties immediately — no seasoning period required on many programs.
Each property is evaluated independently, so your existing portfolio doesn’t block new financing.
The most common DSCR loan questions — answered clearly.
A DSCR (Debt Service Coverage Ratio) loan is a non-QM mortgage for investors. Instead of personal income, we qualify you based on whether the property’s rental income covers the mortgage payment. Formula: Rental Income ÷ PITIA. A ratio of 1.0+ generally qualifies.
No. That’s the core advantage. We do not require W-2s, personal tax returns, pay stubs, or employment verification. Ideal for self-employed borrowers and investors with significant write-offs.
Most programs require a minimum 620 credit score. Borrowers with 700+ typically receive the most competitive interest rates. We’ll match your profile to the best available program.
DSCR loans cover single-family rentals, 2-4 unit multifamily, condos, townhomes, and short-term rentals (Airbnb/VRBO). Properties must be non-owner-occupied and income-generating.
Yes. Short-term rental properties are eligible. Lenders may use market rent projections, rental history, or comparable market data to calculate the DSCR for STR properties.
Down payment requirements typically range from 15%–25% depending on property type, credit profile, and loan program. We’ll help identify the lowest qualifying down payment for your scenario.
Real investors. Real results. See what our clients say about their DSCR loan experience with Loanoligi.
“I was turned down by two traditional lenders because of my write-offs. Loanoligi got me approved using rental income alone. Closed on my third investment property in under 3 weeks. Complete game changer.”
“As a self-employed investor with multiple LLCs, traditional loans were always a nightmare. With a DSCR loan through Loanoligi, I scaled my portfolio to 7 doors without the documentation stress.”
“Used Loanoligi for a cash-out refi on my Airbnb. No income docs — just the rental analysis. The cash I pulled out went straight into my next acquisition. Highly recommend to any investor.”
“First-time investor here — Loanoligi walked me through everything and closed in my LLC’s name. I now have passive rental income from a property I never thought I’d be able to finance. Life-changing.”
No income docs. No W-2s. Just your property’s rental income and your investing goals.
Apply for a DSCR Loan Today