Finance Investment Properties Based on Cash Flow, Not Personal Income
DSCR (Debt Service Coverage Ratio) loans are a game-changer for real estate investors. Unlike traditional mortgages that require W-2s, tax returns, and extensive income documentation, DSCR loans qualify you based on the property's rental income - not your personal finances. This makes them perfect for self-employed investors, portfolio builders, and anyone who doesn't want to share two years of tax returns with a lender.
Anchor Mortgage is a Direct DSCR Lender with our own warehouse lines of credit. We underwrite, approve, and fund DSCR loans in-house - meaning faster closings, more flexibility, and better communication than working with mortgage brokers who shop your loan around.
Why Choose DSCR Loans?
No Income Verification Required No W-2s. No tax returns. No pay stubs. No employment verification. We qualify you based on the property's rental income using a simple calculation: monthly rent divided by monthly mortgage payment (PITIA). If the property cash flows, you can qualify.
Perfect for Self-Employed & High-Net-Worth Investors Write off everything on your taxes? Show minimal income to reduce tax liability? DSCR loans don't care. We look at the property's numbers, not your 1040.
Build Your Portfolio Faster No limit on the number of financed properties. Traditional loans cap you at 10 mortgages - DSCR loans don't. Finance properties 11, 12, 15, 20+ with no restrictions.Long-Term & Short-Term Rentals Finance traditional long-term rentals OR short-term vacation rentals (Airbnb, VRBO). We approve both.Fast Closings As a direct lender with warehouse lines, we close DSCR loans in 21-30 days. No waiting on third-party underwriting decisions.
DSCR Loan Features?
Loan Amounts: Up to $3,000,000+
Down Payment: As low as 20% (25% for short-term rentals)
Credit Score: 660+ (higher scores get better rates)
Property Types: Single-family, 2-4 unit, condos, townhomes
Geographic Coverage: All 50 states
Rental Strategy: Long-term or short-term rentals both qualify
Cash-Out Refinance: Available up to 75% LTV
Interest-Only Options: Available on select programs
Who Benefits from DSCR Loans?
✅ Self-employed investors who write off business expenses
✅ Portfolio builders with 10+ financed properties
✅ Foreign nationals investing in U.S. real estate
✅ High-net-worth individuals who don't want to disclose personal income
✅ Short-term rental operators (Airbnb, VRBO hosts)
✅ House hackers buying multi-unit properties
✅ 1031 exchange buyers needing fast closings
How DSCR Loans Work
Step 1: Find a Rental Property
Identify an investment property with strong rental income potential.
Step 2: Calculate the DSCR
We divide the monthly rental income by the total monthly mortgage payment (principal, interest, taxes, insurance, HOA).
- DSCR above 1.0 = Property cash flows (qualifies)
- DSCR of 1.25+ = Best rates and terms
Step 3: Get Approved
We verify the property's rental potential using comparable market rents or an existing lease. No personal income verification needed.
Step 4: Close Fast
As a direct lender, we control the entire process. Most DSCR loans close in 21-30 days.
DSCR vs. Traditional Investment Loans
| Feature | DSCR Loan | Traditional Loan |
|---|---|---|
| Income Documentation | None required | Tax returns, W-2s, pay stubs |
| Property Limit | Unlimited | 10 financed properties max |
| Short-Term Rentals | Allowed | Usually not allowed |
| Self-Employed Friendly | Yes | Difficult to qualify |
| Closing Speed | 21-30 days | 30-45 days |
Common DSCR Loan Questions
Do I need reserves?
Yes, typically 6-12 months of PITIA reserves per property (more for multiple properties).
Can I use projected rent?
Yes, we can use market rent analysis from the appraisal if the property isn't currently rented.
What if DSCR is below 1.0?
We can still approve loans with DSCR as low as 0.75, but rates will be higher and down payment requirements increase.
Can I finance a fix-and-flip?
No, DSCR loans are for rental properties you'll hold long-term. Ask us about bridge loans for fix-and-flip projects.
Do you allow LLCs?
Yes! You can close in your LLC, trust, or personal name.
Why Anchor Mortgage for DSCR Loans?
Direct Lender Advantage
We fund DSCR loans with our own warehouse lines of credit. This means:
- Faster underwriting decisions
- More flexibility for unique scenarios
- Direct communication with decision-makers
- Competitive rates without broker markup
Nationwide Coverage
We finance investment properties in all 50 states - from Florida vacation rentals to Midwest cash-flow properties.
Experienced Investment Lending Team
We've been financing investment properties since 2004. We understand real estate investors and structure deals that make sense.
Portfolio Lender Relationships
Need to finance multiple properties at once? We can help with portfolio solutions.
Ready to Finance Your Next Investment Property?
Stop letting traditional mortgage requirements hold back your portfolio growth. DSCR loans give you the freedom to invest based on property performance, not personal income documentation.
Contact Dante Campanelli and the Anchor Mortgage team today:
📞 Call: 843-367-9900
📧 Email: info@anchormortgagellc.com
🌐 Apply Online: anchormortgagellc.com
Financing investment properties nationwide - from short-term vacation rentals to traditional buy-and-hold strategies.