No Tax Returns or W-2s. Qualify Based on Rental Income.
A DSCR (Debt Service Coverage Ratio) loan is a type of real estate investment loan that lets you qualify based solely on the rental income generated by the property—not your personal income.
These loans are ideal for real estate investors who want to expand their portfolio without traditional documentation requirements like tax returns, pay stubs, or employment verification.
Instead of reviewing your personal income, lenders look at the property’s DSCR to determine if the rental income can cover the proposed mortgage payments.
Key Benefits
You won’t need to provide W-2s, tax returns, or bank statements.
Flexibility to structure your investment as needed.
Minimal paperwork speeds up the underwriting process.
Use cash-flowing rental properties to qualify and scale quickly.
Basic Eligibility Guidelines
Note: Guidelines may vary slightly depending on lender and property type.
Example Scenario
Investor: Jane buys a duplex for $400,000.
Expected Rent: $3,200/month
Proposed Mortgage: $2,500/month
DSCR: 3,200 ÷ 2,500 = 1.28
Jane qualifies with no personal income verification needed.
At FMP Mortgage Pros, we specialize in non-traditional loan solutions tailored for investors. We understand your needs and speak your language—so you can grow your real estate portfolio without hitting financing roadblocks.
Let us help you qualify based on your property’s cash flow—not your tax returns.
A Smarter Way to Finance Rental Properties
Looking to grow your rental portfolio without tax returns?
A DSCR loan might be your ideal solution. These investor-friendly loans qualify based on the property’s cash flow—not your income.
How Investors Turn Flips into Long-Term Wealth
What if you could flip a property and keep it for passive income?
Fix-to-rent loans make that possible—by financing both the rehab and the refinance into a 30-year DSCR loan.
Fix and Flip Loans Made Simple: Fast Capital for Fast Movers
Need quick cash to fund your next flip? Fix-and-flip loans are designed for speed, simplicity, and investor flexibility—no income verification required.
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
“Acquisition & Rehab to DSCR, FMP made it seamless.They funded 80% of my duplex purchase and 100% of the rehab. Once the work was done, they refinanced me into a 30-year DSCR loan—lower payment, better cash flow. Smooth and simple!”
“They got my flip funded fast!” FMP delivered 75% of the purchase and 100% of the rehab—right on time for a competitive Fix & Flip. They understood the project, the numbers, and my goals. I made a hefty profit in just a few weeks and I’m coming back for the next one.
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
”FMP Mortgage Pros made the loan process seamless! Utilizing my rental income was a game changer—easy qualification without needing to provide personal income verification!”
