Your Property Qualifies. You Don't Have To.
DSCR financing lets real estate investors qualify based on what the property earns — not what you earn. No W-2s. No tax returns. Just cash flow.
The Loan That Qualifies on Cash Flow, Not W-2s.
A DSCR (Debt Service Coverage Ratio) loan is a type of investment property mortgage where qualification is based on the rental income the property generates — relative to its debt obligations.
The DSCR ratio is calculated as: Monthly Rental Income ÷ Monthly Debt Payment. A ratio of 1.0 means the property breaks even. Above 1.0 means positive cash flow. Below 1.0 means the property costs more to hold than it earns.
No personal income verification. No tax returns. The property qualifies itself.
Built for Investors Who Think Differently.
Buy-and-Hold Investors
Building long-term rental portfolios without W-2 income limits. Qualify on the property, not your paycheck.
Short-Term Rental Investors
Airbnb and VRBO operators who qualify on projected or actual short-term rental income from the property.
Self-Employed Borrowers
Business owners whose tax returns don't reflect true income. DSCR looks at the deal, not your deductions.
Portfolio Builders
Investors scaling past the limits of conventional financing. Add doors without hitting income ceilings.
What Makes DSCR Different.
What You Need to Know.
These are educational guidelines, not guarantees. Every deal is different — let's look at yours together.
"I ran into the same wall you're about to hit. I tried to finance a rental under $100,000 with a DSCR loan and couldn't find a single lender who'd do it. That's what sent me into the mortgage business. I know this product from both sides of the table."
Let's Look at Your Deal Together.
Tell me the property, the rent, and the strategy — and I'll tell you if DSCR is the right move.
This page is for educational purposes only. Not a commitment to lend. Joshua Billings NMLS #2738664 | NEXA Mortgage LLC NMLS #1660690 | 5559 S Sossaman Rd, Bldg 1 Ste 101, Mesa, AZ 85212.