Investment Property Financing
Investment Property Loans
Without Tax Returns
DSCR loans qualify based on rental income, not your personal income. Close in as fast as 21 days. Learn how DSCR loans work in our complete guide.
No-obligation pre-qualification. No impact to your credit score.
Last updated: April 2026
Sound Familiar?
Tired of showing 2 years of tax returns?
Traditional lenders want full tax documentation that penalizes write-offs. DSCR loans skip all of that.
Self-employed income doesn't reflect your real wealth?
You write off everything you can. Smart tax strategy, but it makes qualifying impossible at most banks.
Banks say no but your properties cash flow?
If the property pays for itself, that should be enough. With DSCR loans, it is.
How DSCR Loans Work
Three simple steps. No income docs. The property qualifies itself.
We look at your property's rental income
Actual rent (or market rent from an appraisal) is compared against the monthly mortgage payment. Your personal income never enters the equation.
If rent covers the mortgage, you qualify
A DSCR of 1.0 or higher means the property's income covers the debt. Some programs even allow ratios below 1.0 for strong borrowers.
Close in 21-30 days with no income docs
No tax returns, no W-2s, no pay stubs, no employment verification. The property qualifies itself.
Built for Real Estate Investors
Everything you need to scale your portfolio without the traditional lending headaches.
No Tax Returns
Zero personal income documentation required
No W-2s or Pay Stubs
Your employment status does not matter
No Employment Verification
Self-employed, retired, or between jobs
LLCs & Entities OK
Purchase and hold in your business entity
Unlimited Properties
No cap on how many investment properties you finance
Cash-Out up to 80% LTV
Pull equity from existing rentals to fund your next deal
Foreign Nationals Eligible
Non-U.S. citizens can invest in American real estate
Credit from 620
Programs available for a range of credit profiles
90+ Lenders. One Broker Working for You.
I am not a single bank with one set of guidelines. Through Lumin Lending, I shop your deal across 90+ wholesale lenders to find competitive DSCR terms for your specific situation. Different lenders have different strengths - I know which ones to go to for your deal. DSCR is just one of our Non-QM loan programs for investors. If your income is strong but non-traditional, explore bank statement loan options as well.
Read verified reviews on Experience.comReady to Close Your Next Deal?
Whether you are buying your first rental or adding to a portfolio of 50, I will find the right DSCR program for your deal.
Get Started Today
Have questions about DSCR loans or ready to get pre-qualified? Send me a message and I will get back to you quickly.
Rates and program availability may vary based on the state or region in which the financed property is located. This is not a credit decision, an offer, or a commitment to lend. Program restrictions apply.
Randy Mathis | NMLS# 1516760 | DRE# 02236644
Lumin Lending Inc. | NMLS# 2716106 | DRE# 02991443
Equal Housing Opportunity | NMLS Consumer Access