Welcome to DSCR.Capital
DSCR LOANS WITHOUT THE TAX-RETURN HEADACHE.
Qualify on the property's cash flow — not on your write-offs. Independent broker with 100+ DSCR lenders. Your deal goes shopping. We find the lender whose guidelines were built for your situation.
✓ Soft credit pull · ✓ No tax returns · ✓ Close in 3 weeks
The framework is the problem
You're not stuck because the deal is bad. You're being measured by the wrong scoreboard.
If you write off expenses aggressively, run a business, or structure your income intelligently, you can look weaker on paper than you actually are in real life. That's the tax-return trap. Conventional lenders judge you by W-2 logic. DSCR shifts the question from "who are you?" to "what does the property do?"
- Tax returns don't reflect real investing strength
- Personal DTI becomes an artificial ceiling on growth
- Capable investors get measured by the wrong scoreboard
The specialist advantage
Most brokers work with 10–15 lenders. We work with 100+ — and only on DSCR.
Every lender has a different appetite — different credit tolerances, DSCR minimums, rules on market rent, property type, and seasoning. A file that's a hard no at one lender is a straightforward approval at another. We engineer your file first, then shop it across a network most brokers don't have access to.
100+ DSCR Lenders
Your deal goes shopping across a wide lender network — not crammed into one product.
DSCR Only
Rental investor financing is the only thing we do. Every edge case, every quirk, every exception.
Advocate, Not Order-Taker
Bank loan officers work for the bank. We're independent — we work for you.
How DSCR actually works
Stop thinking of DSCR as one number. Think of it as a four-part scorecard.
A file with a "good" ratio can still feel weak. A file with an average ratio can feel workable when the rest of the picture is strong. That's why we look at all four.
Property Cash Flow
Does market rent realistically cover PITIA — after taxes, insurance, HOA?
Borrower Strength
Credit, reserves, experience and recent profile — evaluated, not interrogated.
Deal Structure
Entity, leverage, prepay, term length — chosen for the strategy, not the lender.
Exit Flexibility
What if you sell early or refinance? The loan has to fit the plan, not lock it.
Why investors choose us
Fast. Aggressive. Investor-first.
3-Week Closings
Streamlined intake, fast underwriting.
Up to 85% LTV
Aggressive leverage on purchases and refis.
No Tax Returns
Property income leads the conversation.
Soft Credit Pull
We protect your score until you choose to move.
Any DSCR Ratio
1.25+, ~1.0, even below — we know the lenders.
All Experience Levels
First-time investors to 100+ door portfolios.
Ready to look at your deal?
Tell us about the property in 60 seconds. We'll review it and call you — no hard credit pull, no obligation.