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No tax returns. No income requirements. Just rental property financing that pay for themselves.

DSCR LOANS

Make Your Rentals

Work For you

Make Your Rentals

Work for you

Debt service coverage ratio (DSCR) loans help you qualify based on your rental property’s income—not your personal income. If you’re building a cash-flowing portfolio and want to avoid income documentation hurdles, 
Groundfloor Lending’s DSCR loans offers.

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GETTING STARTED

Lending That Makes Sense

DSCR loans look at what matters – your property’s income. Skip the financial maze and get long-term rental loan options designed for real estate investors.
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Key Features:
  • 30 year fixed rates
  • No tax returns needed
  • Up to 80% LTV
  • Property income qualifies

Apply Online

Submit project details in minutes. No tax returns or income documents required, just your renovation plan.

Quick Approval

24-hour responses on applications. Clear, fixed-rate DSCR loan terms with no surprises.

Scale with Confidence

Fast closing means starting sooner. Draw funds as needed to keep your residential project on schedule.
DSCR LOANS

Why Choose DSCR Loans?

Why Choose
DSCR Loans?

Property Power

  • Let rental income qualify you. No W-2s, no tax returns—just asset-based mortgage financing that helps you scale faster.

Portfolio Growth

  • Buy more investment properties sooner. Use rental income strategy to qualify and expand your holdings efficiently.

Streamlined Process

  • Focus on what matters - your properties. We handle the rest.

What You Need To Qualify

  • 1.1 DSCR minimum
  • 660+ credit score
  • Property income verification
  • Clear rental strategy
  • 20% down payment
DSCR LOANS

Scale Your Portfolio
Without Income Diversification

Groundfloor Lending’s DSCR financing lets investors qualify on rental performance rather than personal income. Properties that generate rental income at one-point-two times their debt obligations meet the cash-flow test, allowing investors to bypass personal tax returns and W-2 paperwork. This approach helps landlords and LLC owners add doors quickly while keeping approvals predictable.

DSCR LOANS

Designed For
Portfolio Expansion

Both new and seasoned buy-and-hold investors rely on Groundfloor Lending’s DSCR mortgage solution to grow single-family and small multifamily portfolios. Underwriting reviews cash flow, rent rolls, and projected occupancy and delivers decisions within five business days. Closings average thirty days, so financing never slows your next purchase. Competitive rates, interest-only options, and entity-based approvals all support long-term growth.

DSCR LOANS

Property Types And Qualification Focus

DSCR loans from Groundfloor Lending finance single-family rentals, townhomes, duplexes, and four-unit multifamily properties. Each application is evaluated on property income, market rents, and a minimum one-hundred-twenty percent coverage ratio. The focus on asset performance makes this loan practical for investors with complex tax profiles, pass-through entities, or anyone entering new markets where rental cash flow can carry the debt.

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Don't Miss Out
HAVE QUESTIONS

DSCR Loans Frequently Asked Questions