Find a Lender that
Specializes in
DSCR Loans

Enter your location below to match with specialized DSCR lenders

DSCR Loans for Real Estate Investors - No Income Verification
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Traditional lenders require extensive income documentation and DTI ratios. DSCR loans let you qualify based on your property's cash flow—no personal income verification needed.

Our network of DSCR lenders evaluates your property's debt service coverage ratio. If the rental income covers the mortgage payment, you qualify.

"I had an amazing experience working with a Rabbu lender partner for my self-employed loan. Their team understood the unique challenges I faced and guided me through the process. I secured a competitive interest rate and financing I needed for my dream home. Highly recommended!"

image description Martha S
Property Investor
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DSCR Loan Programs for
Real Estate Investors
Investment Property Loans

  • Up to 85% financing

  • Properties up to 20 acres

  • Rural properties welcome

  • Purchase or refinance

  • FICO score of 620+

  • Title in LLC/Corporation

  • Non-warrantable condos accepted

How DSCR Loans Work

DSCR (Debt Service Coverage Ratio) loans use your property's rental income divided by mortgage payment. Ratios of 1.0 or higher typically qualify. No tax returns or employment verification required.

Self-Employed Programs

No W-2s or tax returns needed. Qualify using 12-24 months of bank statements.

* Not all programs advertised are available from all lenders. Consult the lenders you are matched with for specific details on their product offerings.

How It Works
  • 1
    Enter your property location

    We'll identify lenders who specialize in your market and understand local short-term rental dynamics.

  • 2
    Answer a few quick questions

    This helps us match you with DSCR lenders offering the best rates.

  • 3
    Get matched with experienced DSCR loan specialists

    We'll show you lenders who are actively funding properties like yours. Each match is pre-screened to ensure they meet your requirements.

Why Investors Choose Rabbu’s Lender Network

  • $10+ billion funded in investment property loans

  • Leading DSCR loan specialists with competitive rates

  • Reputable & vetted - only top lenders & brokers qualify

  • Competitive rates from multiple lenders

  • Fast closings to help you secure properties

  • Streamlined DSCR loan approvals with minimal documentation

"Choosing a Rabbu lender partner for my self-employed loan was the best decision I made. They simplified the application process by relying on my bank statements rather than tax returns or W-2s. The team was professional, responsive, and went above and beyond to ensure a smooth and efficient loan approval."

image description Louis C.
Past Customer

"Working with a Rabbu lender partner for my self-employed loan was a breath of fresh air. Their team was attentive, knowledgeable, and supportive. They understood the intricacies of my self-employment income and used my bank statements to qualify me without the usual paperwork hassle."

image description Roger W.
Past Customer
Frequently Asked Questions

DSCR loans qualify you based on property cash flow, not personal income or DTI ratios. Traditional mortgages require tax returns, W-2s, and employment verification. DSCR loans skip all that—if the property's income covers the debt service, you qualify.

Just enter the location or market you’re interested in. Our quick matching process will help identify the right lenders for your specific situation.

Our lenders specialize in quick closings for investors. Many can close in as little as 30 days once you're approved.

Yes! Our lenders work with investors building portfolios and have programs for multiple properties.

No problem. Many of our lenders offer bank statement programs that don't require tax returns or W-2s.