DSCR Investor Loans for Rental Properties

Defy Wholesale TPO's DSCR program lets real estate investors qualify off rental cash flow alone — no W-2s, no tax returns, no DTI. Built for brokers funding investor purchases, refinances, and cash-out across single-family rentals, short-term rentals, and small multifamily.

Highlights

• Up to 85% LTV on purchase, 80% cash-out
• DSCR allowed down to 0.50 (No Ratio available)
• Loan amounts up to $3.5M
• Min credit score 640
• 80% LTV on Short-Term Rentals
• 75% on Condotel, Non-Warrantable Condo, Rural
• 30 / 40 year IO and 40 year Fixed options
• LLC, Corp, or Trust vesting allowed
• First-time investors eligible

Who it's for

Real estate investors qualifying off rental income, brokers needing fast no-doc investor financing, and clients building rental portfolios.

FAQ

What is a DSCR loan?

A Debt Service Coverage Ratio loan qualifies an investor based on the rental income of the property — not personal income or DTI.

What DSCR ratio do you require?

We allow DSCR down to 0.50, with No Ratio options available depending on loan size and LTV.

Can I close in an LLC?

Yes. LLC, Corporation, and Trust vesting are all eligible.

Are short-term rentals allowed?

Yes — up to 80% LTV on short-term rentals.

Explore other programs

• DSCR Loans
• Non-QM Loans
• Bank Statement Loans
• Foreign National Loans
• ITIN Loans
• Asset Depletion Loans
• Mixed-Use Loans

Get started

• Become an Approved Broker Partner
• Submit a Scenario to the Deal Desk
• Browse the Forms Library