Qualify on Cash Flow.
Not Your W-2.
DSCR loans for rental properties — no tax returns, no income docs. If the property cash-flows, you qualify.
Not all applicants will qualify. Subject to credit and property approval.
Quick Investor Pre-Qual
Takes 2 minutes · No credit pull
Built for Investors Who Move Fast
No Tax Returns
Qualify based on the property's rental income, not your personal income or W-2s.
DSCR from 0.75+
Cash-flowing and even slightly negative DSCR properties can qualify.
1–25+ Units
Single family, multi-family, condos, and small commercial — all eligible.
$150K – $3.5M
Loan amounts for small rentals to large portfolio acquisitions.
Close in 21 Days
Streamlined underwriting built for investors on tight timelines.
Unlimited Properties
No cap on the number of DSCR loans in your portfolio.
How DSCR Qualification Works
Most programs require a DSCR of 1.0 or higher. Some allow down to 0.75 with a larger down payment.
Why Investors Choose a Broker
- ✓70+ wholesale lenders — we find the best DSCR program for YOUR deal, not just one bank's product
- ✓Investors close multiple deals with us — we already have your file, so deal #2 closes even faster
- ✓Portfolio strategy — we help you think beyond one property to scaling your rental portfolio
More Ways to Finance Your Portfolio
DSCR is our most popular investor program — but it's not the only one.
Bank Statement Loans
Qualify using 12-24 months of business bank statements instead of tax returns. Ideal for self-employed investors.
Fix & Flip / Bridge
Short-term financing for renovations and quick acquisitions. 12-18 month terms, close fast.
Portfolio / Blanket Loans
Finance multiple properties under one loan. Simplify your portfolio and reduce closing costs.
What Our Clients Say
★★★★★Rated on Google"Closed on a 4-unit in 19 days. No tax returns, no hassle. DSCR is a game-changer."
"My bank wanted 12 months of financials. AMS qualified me on rental income alone. I've done 6 loans with them since."
"They found me a DSCR program at 15% down when everyone else wanted 25%. That freed up capital for my next deal."