DSCR Loans for Real Estate Investors | DSCRLoanDirect.com
Investor Financing Specialist

DSCR LOANS WITHOUT TAX RETURNS

Finance your rental property using rental income — not your personal tax returns. Close fast, scale your portfolio.

✓
No Tax Returns Required
✓
No Employment Verification
✓
LLC Eligible
✓
Airbnb & Short-Term Rentals OK
✓
Purchase & Cash-Out Refi
✓
Fast Closings
DAYS
Typical turnaround, not weeks
$0
Tax returns needed
48
States we place loans in
See If You Qualify
Free quote · No credit pull · No tax returns needed
● 100% confidential · No spam · No hard credit pull

By submitting this form you agree to be contacted about your inquiry. SMS consent is given separately using the checkboxes above and is not a condition of any loan. Message and data rates may apply. Reply STOP to opt out of texts, HELP for assistance. This is not a loan application, does not affect your credit, and does not create a commitment to lend. Privacy Policy · Terms of Use

Loan Programs

EVERY INVESTOR
LOAN TYPE

Most lenders won't touch these files. These are the ones we specialize in placing.

01
DSCR Purchase Loans
Qualify using your property's rental income. No personal income docs, no W-2s, no tax returns.
Most Popular
02
Cash-Out Refinance
Pull equity from existing rentals to fund your next acquisition — without touching your personal income.
Scale Faster
03
Short-Term Rental (Airbnb)
Airbnb and VRBO income counts. Lenders use market rent or actual income to qualify your short-term rental.
STR Friendly
04
LLC Loans
Close in the name of your LLC. Protect your assets, keep your portfolio organized, build business credit.
Asset Protection
05
Portfolio Expansion
Already have 4+ financed properties? DSCR has no conventional loan limits. Keep buying.
No Loan Limits
06
Rate & Term Refinance
Lower your rate or change your term on existing investment properties — still no tax returns required.
Lower Payments
Why DSCR

BUILT FOR REAL ESTATE INVESTORS

Traditional loans penalize investors for writing off expenses. DSCR loans work the way real estate actually works — using the income the property generates.

📄
No Tax Returns
Stop being penalized for your write-offs. These programs qualify the property, not your Schedule E.
⚡
Fast Closings
Less documentation means faster approvals. Don't lose deals waiting on underwriting.
🏢
LLC Eligible
Close in your entity name. Protect your personal assets and keep your portfolio clean.
📈
Scale Without Limits
No conventional loan count limits. Finance your 5th, 10th, or 20th property the same way.
ZN
ZACK NAWABI
VP of Sales · NMLS #1025065 · Nationwide Fair Lending

I've spent my career helping real estate investors finance properties the way real estate actually works. Most lenders make it harder than it needs to be. I make it simple: you bring the deal, I find the lender.

DSCR loans are all I do — which means I know every angle, every workaround, and exactly how to get your deal closed fast.

● DSCR Specialist
● LLC Loans
● Airbnb Financing
● Fast Closings
● Direct: 818-621-9666
● NMLS #1025065
Ready to Move?

YOUR NEXT DEAL
STARTS HERE

No tax returns. No employment verification. Just your rental property and a broker who gets it done.

CALL 818-621-9666

Who we are. DSCR Loan Direct is a brand of Nationwide Fair Lending, a licensed mortgage broker, Company NMLS #1367285. We arrange loans with third-party lenders and do not fund loans.

Business purpose only. All loans described on this page are business-purpose loans made solely for non-owner-occupied investment property. They are not available for the purchase or refinance of a primary residence or second home and are exempt from certain consumer mortgage disclosure requirements.

Not a commitment to lend. Nothing on this page is a rate quote, an offer of credit, a pre-approval, an advertisement of specific available terms, or a guarantee of qualification. Program parameters described are illustrative and subject to change without notice. Actual terms depend on credit, property, program, occupancy, loan amount, state, and market conditions, and are subject to full underwriting, appraisal, and approval. Timelines vary by file and are not guaranteed.

Licensing. Zack Nawabi, NMLS #1025065. Nationwide Fair Lending, Company NMLS #1367285. Business-purpose loans are available in all states except North Dakota and South Dakota. State requirements vary — several states require title to be held in an LLC or corporation, and some restrict prepayment terms or apply different rules above four units. Verify licensing at nmlsconsumeraccess.org. Not licensed in all states; program availability varies by jurisdiction. This page is not affiliated with or endorsed by any government agency.

Not legal, tax, accounting, or investment advice. Consult your own professionals before acquiring or financing investment property.