Buy investment property in the White Mountains without your personal debt-to-income capping how much you can own. A DSCR loan qualifies on the rental income the property generates — no tax returns, no W-2. And because I'm an investor with 50+ properties who also shops 100+ lenders, I understand these deals from both sides of the table.
DSCR stands for Debt-Service-Coverage-Ratio. Instead of underwriting you, the lender underwrites the property: they compare the rent it brings in against its total monthly payment. If the rent covers the payment, the deal qualifies. No pay stubs, no tax returns, no personal income calculation at all.
That single difference is why serious investors love it. A conventional loan counts every rental against your personal debt-to-income and eventually says "you've bought enough." A DSCR loan doesn't. Each property stands on its own cash flow, so your portfolio can keep growing past the wall a bank would hit.
The ratio is simple: the property's monthly rent divided by its full monthly payment — principal, interest, taxes, insurance, and any HOA. A ratio of 1.0 means the rent exactly covers the payment; anything above 1.0 means it cash-flows. Many lenders look for 1.0 or higher, and some offer lower-ratio or even no-ratio options for strong borrowers. Every lender draws that line a little differently, which is exactly why shopping matters.
Long-term rentals. The standard DSCR play — a leased single-family, condo, or small multi-unit qualified on market or in-place rent.
Short-term / vacation rentals. Out here in the White Mountains, a lot of investors run cabins as short-term rentals. Some DSCR programs will qualify the property on short-term-rental income using market data like AirDNA — but not every lender counts it. Finding the ones that do is where a broker earns their keep.
Foreign national and no-U.S.-credit options. There are business-purpose investor programs for foreign nationals with no U.S. FICO, too. If it's an investment property, there's usually a way to finance it.
I don't just originate these loans — I use them. With 50+ properties of my own, I understand a rental deal from the owner's side: cash flow, reserves, exit, and what actually makes a portfolio grow versus stall. When I shop your file across 100+ lenders, I'm looking for the DSCR terms that keep your capital working and your options open for the next deal, not just the first approval that comes back.
One honest flag: some investor and equity-style products carry early-payoff penalties or prepayment structures. If you plan to sell or refinance a property quickly, tell me your timeline up front and I'll steer you toward a program that won't cost you on the exit.
Whether it's your first rental in Show Low or your fifteenth cabin in Pinetop, the fastest way to know what you qualify for is a quick pre-approval. I'll pencil the deal with you honestly — rent, payment, ratio, and exit — and shop it hard so the financing works as well as the property does.
It's investment-property financing that qualifies on the property's rental income rather than your personal income. The lender compares the rent against the monthly payment — if the rent covers it, the deal works. No tax returns or W-2 required. I shop 100+ lenders to find the best DSCR terms for your property.
Yes. DSCR and other business-purpose investor loans qualify on the property's cash flow, not your personal income — so no personal tax returns or pay stubs. Some programs even work for foreign nationals with no U.S. credit. I match you to the program that fits without capping you on personal debt-to-income.
It's the property's monthly rent divided by its full monthly payment (principal, interest, taxes, insurance, and any HOA). A 1.0 ratio means the rent exactly covers the payment; above 1.0 means it cash-flows. Many lenders want 1.0 or higher, and some allow lower or no-ratio options. I shop the lenders whose math works best for your deal.
Yes, with the right lender. Some DSCR programs qualify a property on short-term-rental income using market data like AirDNA — helpful for vacation cabins here in the White Mountains. Not every lender counts it, so this is exactly where shopping 100+ lenders pays off.
Because DSCR loans qualify on each property's cash flow instead of your personal debt-to-income, they don't cap your portfolio like conventional financing does. Many investors use them to keep buying well past where a bank would stop them. I structure financing so your portfolio can keep growing.
Typically more than an owner-occupied loan, since these are investment properties — the exact amount depends on the program, the property's cash flow, and your credit. Because I shop 100+ lenders, I can find the DSCR program that keeps the most capital in your pocket for the next deal.
Short-term, asset-based financing for flips and rehabs, sized off the after-repair value.
Qualify on your real income — bank-statement and 1099 programs, often no tax returns.
Build or renovate with one loan covering land, build, and permanent financing.
Start a quick pre-approval and I'll shop your DSCR file across 100+ lenders — and pencil the deal honestly with you first. Equal Housing Opportunity.