If you’re a real estate investor, Airbnb host, or commercial buyer looking to expand your portfolio without traditional income documentation, our DSCR Mortgage program is for you. At Nonqmfunds.com, we help investors qualify based on property cash flow—not pay stubs, W2s, or tax returns.

With fast approvals, no personal DTI calculations, and lending in all 50 states, our Debt Service Coverage Ratio (DSCR) loan is the no-hassle solution for savvy investors who value speed, flexibility, and simplicity.

What Is a DSCR Mortgage?

A DSCR mortgage, or Debt Service Coverage Ratio loan, allows real estate investors to qualify for financing based on a property’s income—not the borrower’s personal income. Instead of evaluating your tax returns or employment history, we look at the rental income the property generates compared to its expenses.

It’s a game-changing option for investors, landlords, and Airbnb hosts who want to scale without the red tape of conventional mortgages.

Who Is a DSCR Mortgage For?

This program is ideal for:

• Real estate investors buying or refinancing rental properties
• Airbnb hosts monetizing short-term rental properties
• Commercial real estate buyers with multiple units
• Investors who write off income or are between projects
• Investors with inconsistent or nontraditional income

If you’ve been denied by banks due to self-employment or fluctuating income, our DSCR program could be the solution you’ve been waiting for.

Why Choose Nonqmfunds.com for Your DSCR Loan?

• No Income Verification: No W2s, pay stubs, or tax returns required
• No Job Verification: We don’t ask where you work
• No Personal DTI: Your personal debts aren’t part of the equation
• Low DSCR Requirements: Qualify with a minimum 1.0 DSCR
• No Ratio Loans: Available up to 75% LTV with 740+ FICO and 6 months reserves
• Nationwide Lending: Available in all 50 states
• Interest-Only Options: Maximize your cash flow

Program Highlights

• Loan Amounts: $50,000 to $3,000,000
• Minimum FICO: 600
• Max LTV: 85% for Purchase / 75% for Cash-Out Refi
• Occupancy: Non-Owner Occupied only
• Eligible Property Types: SFRs, 2–4 units, condos, multifamily up to 8 units, townhomes, condotels, rural properties, non-warrantable condos, manufactured homes, mixed-use, commercial
• Rent Basis: Qualify using a 1007 rent schedule or signed lease
• Loan Terms: Flexible fixed and ARM terms available

How DSCR Loans Work

Unlike traditional loans, DSCR mortgages rely on the **Debt Service Coverage Ratio** — the ratio of a property’s income to its debt payments.

DSCR = Gross Monthly Rent ÷ Monthly PITIA*

*PITIA = Principal + Interest + Taxes + Insurance + HOA (if applicable)

If a property earns $3,000 per month and your monthly PITIA is $2,500, your DSCR is 1.2 — and you qualify!

Even if your DSCR is exactly 1.0, you may still qualify. For investors with strong reserves and higher credit scores, we also offer **No Ratio DSCR Loans** up to 75% LTV with zero income documentation required.

DSCR Loan Use Cases

Our DSCR Mortgage is commonly used for:

• Purchasing rental homes and multifamily properties
• Refinancing to lower payments or pull equity
• Buying Airbnb, short-term rentals or VRBO properties (Vacation Rentals by Owner)
• Portfolio expansion without tax returns

Real Success Story

We recently helped an investor close on a 3-unit residential apartment building using only the property’s cash flow. No job. No income. No DTI. Just a strong DSCR ratio and smart investing.

Thanks to our streamlined process, this investor went from application to closing without a single tax document.

Frequently Asked Questions

What’s the minimum DSCR you accept?

We accept a minimum DSCR of 1.0. For “No Ratio” DSCR loans, we offer financing up to 75% LTV with a 740+ FICO and 6 months reserves.

What properties are eligible?

You can use our DSCR loan for SFRs, townhomes, condos, 2–4 unit buildings, multifamily (up to 8 units), manufactured homes, rural properties, mixed-use, and commercial properties.

Can I use rental projections?

We qualify based on actual lease agreements or a 1007 rent schedule from the appraisal.

Do you check my job or income?

No, we do not require income or employment verification for DSCR loans.

Can I get approved with less than 1.0 DSCR?

No. A minimum DSCR of 1.0 is required unless you qualify for our No Ratio option.

Get Started Now

Stop letting traditional income documents hold you back. With Nonqmfunds.com, your real estate investments can grow faster and easier than ever.

Apply now and qualify based on your property’s income—not your own.

Have questions? Reach out at fund@nonqmfunds.com.