Buy the rental. Let it qualify.
A DSCR purchase loan qualifies on what the property will rent for, not on your tax returns. Close in your LLC and keep growing the portfolio.
- No ratioDSCR options down to no ratio
- 1–10Units
- No minimumLoan amount
- LLCClose in your entity
What is a DSCR purchase loan?
A DSCR purchase loan finances a rental property based on the property’s rent instead of your personal income. The lender compares the expected rent to the full monthly payment, so your tax write-offs don’t hold you back.
The programs I use go down to no ratio, cover 1 to 10 units and have no minimum loan amount. Credit and down payment requirements vary by program, and I’ll give you the real numbers before you make an offer.
Written by Ashlin R. Endter, owner and mortgage broker, NMLS #2154456, 4MG Mortgage, LLC, NMLS #2567469. Program terms current as of October 2026.
Who it fits.
If your tax return undersells you, or you’re buying your fifth rental instead of your first, this is the loan built for you.
- Self-employed investorsWrite-offs lower your taxable income. The rent is what counts here.
- Growing portfoliosMany programs don’t cap how many financed rentals you can hold.
- LLC buyersTitle in your entity from closing day.
- Small multifamilyDuplexes to 10-unit buildings, still on DSCR.
The rent does the qualifying.
DSCR means debt service coverage ratio: the property’s monthly rent divided by its full monthly cost, meaning principal, interest, taxes, insurance and any HOA dues. At 1.0, the rent covers the cost exactly. Some programs go below 1.0, all the way to no ratio at all.
Illustration only. Lenders set their own minimum ratio and may use the lease, the appraiser’s market rent or the lower of the two. Not an offer or a rate quote.
From one door to ten.
Single-family homes, condos, townhomes, small multifamily and buildings up to 10 units, all qualifying on the rent.
Most of the map is pink.
39 states and Washington, D.C., for business-purpose rental loans closed in an LLC. Home base is Florida, with Texas and Colorado every day.
Available
- Alabama
- Alaska
- Arkansas
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Mississippi
- Missouri
- Montana
- New Hampshire
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Virginia (close in an LLC or corporation)
- Washington
- West Virginia
- Wisconsin
- Wyoming
Available with a business-purpose form
- California
- Illinois
- Michigan
- Nebraska
- New Jersey
- New York
Not available right now
- Arizona
- Idaho
- Minnesota
- Nevada
- New Mexico
- North Carolina
- North Dakota
- Oregon
- South Dakota
- Utah
- Vermont
Availability depends on the lender and the property and can change. Send me the address and I’ll confirm.
What buyers ask me.
Straight answers. Where it depends on the lender, I’ll say so.
Can I buy a rental without showing my income?
Yes. A DSCR purchase loan qualifies on the property’s expected rent, not your tax returns, W-2s or pay stubs.
How much do I need for a down payment?
It depends on the program, your credit and the property. Send me the scenario and I’ll give you the real number before you make an offer.
What if the rent doesn't fully cover the payment?
Some programs allow a ratio below 1.0, and some have no ratio requirement at all. Pricing and terms are different, so we compare them side by side.
What credit score do I need?
It varies by program. Higher scores open more options and better pricing.
Is there a minimum loan amount?
No. Smaller rentals work too.
Can I buy in an LLC?
Yes. You can close in your LLC from day one.
Can I buy a 2–4 unit or a small apartment building?
Yes. DSCR purchase loans cover 1 to 10 units, and the rent from every unit counts.
Can I use it for an Airbnb?
Some programs allow short-term rentals and use booking history or projected income. See short-term rental loans.
Do you do these for foreign nationals?
Yes. Foreign national DSCR loans need no Social Security number or US credit.
Send me the property.
Tell me what you’re working on. I’ll look at it personally and come back with what fits. No application, no credit check.
Monday to Friday, 9am to 5pm Eastern. In English or Spanish.
Got it. I’ll be in touch.
I’ll look at it personally. If it’s easier, message me on WhatsApp.
DSCR loans are business-purpose loans on non-owner-occupied investment property only; not available on a primary residence. Available in the states shown on this page, subject to lender and property guidelines; availability can change without notice. Credit, down payment, ratio and reserve requirements vary by program. No-ratio programs carry different pricing and terms. Not a commitment to lend; all loans subject to credit, property and underwriting approval. Rates, terms and programs are subject to change without notice. Ashlin R. Endter, NMLS #2154456. 4MG Mortgage, LLC, NMLS #2567469, 12249 SW 132nd Ct, Miami, FL 33186, (786) 769-5444, is an Equal Housing Opportunity mortgage broker licensed in Florida, Colorado and Texas. NMLS Consumer Access.