Two Programs.
One Simple Qualification.
Whether you're building a long-term rental portfolio or scaling a short-term rental business, we have a DSCR program built for your strategy.
Buy & Hold Investment Properties
Finance single-family homes, 2–4 unit properties, and small multifamily buildings using the property's rental income — not your personal income.
- 30-year fixed, ARM & interest-only options
- Up to 80% LTV for purchase, 75% cash-out refi
- LLC, LP & trust vesting accepted
- No DTI ratio requirements
- Minimum DSCR of 1.0x (some programs 0.75x)
- Loans from $100K to $5M
Ideal for: Buy-and-hold landlords, BRRRR investors, 1031 exchange buyers
Airbnb & Vacation Rental Financing
Qualify using projected or actual short-term rental income from platforms like Airbnb, VRBO, and Furnished Finder. No personal income docs required.
- STR income used for qualification
- AirDNA market data accepted
- Up to 75% LTV
- LLC & entity vesting allowed
- Vacation, resort & urban markets
- Loans from $150K to $3.5M
Ideal for: Airbnb hosts, vacation rental investors, STR portfolio builders
Built for Investors,
Not W-2 Employees.
Traditional mortgages punish real estate investors for their success. DSCR loans flip the script — the property qualifies itself.
"Ohio Investor Lending helped me close 3 properties this year — no tax returns, no hassle."
No Tax Returns Required
Qualify entirely on property income. Your personal tax write-offs won't disqualify you.
Scale Without Limits
No cap on the number of financed properties. Add deals to your portfolio as fast as you find them.
LLC & Entity Vesting
Finance properties in your LLC, LP, or trust for asset protection and tax efficiency.
Fast Closings
Streamlined underwriting with no income verification means faster approvals and closings.
Cash-Out Refinance
Pull equity from existing rentals to fund your next acquisition — no income docs needed.
Self-Employed Friendly
Write-offs won't hurt your loan. We look at the property, not your personal tax situation.
From Application
to Funded in 4 Steps.
Submit Your Property Info
Tell us about the property address, purchase price or value, and expected monthly rent. No personal income docs needed at this stage.
We Calculate Your DSCR
We divide the property's gross rental income by the monthly debt service (PITIA). A ratio of 1.0x or higher typically qualifies.
Receive Your Loan Terms
Get a term sheet with your rate, LTV, and loan amount — usually within 24 hours of submitting your application.
Close & Fund
Our streamlined process closes most DSCR loans in 21 days or less. No last-minute income surprises.
Who Is This
Loan Built For?
Buy-and-Hold Landlords
Ideal for long-term rental landlords who want to grow their portfolio without income documentation.
BRRRR Investors
Refinance after rehab using the stabilized rental income — no employment history required.
Airbnb & STR Hosts
Use projected or actual short-term rental income from AirDNA or platform statements to qualify.
Portfolio Investors
No limit on financed properties. Scale your portfolio without DTI restrictions slowing you down.
1031 Exchange Buyers
Close quickly on replacement properties without the delays of income documentation.
Self-Employed Investors
Tax write-offs won't disqualify you. We qualify on the property, not your Schedule C.
Does Your Property
Cash Flow Qualify?
DSCR = Monthly Rental Income ÷ Monthly Debt Service (PITIA)
DSCR Quick Calculator
Use market rent for LTR or AirDNA estimate for STR
Principal + Interest + Taxes + Insurance + HOA
Real Investors.
Real Results.
"I was turned down by three conventional lenders because of my write-offs. With a DSCR loan, I closed on two properties in the same month. The process was faster than anything I'd experienced."
"As a short-term rental investor, traditional lenders couldn't figure out how to underwrite my income. This team used my AirDNA data and closed in 18 days. Game changer."
"The DSCR loan allowed me to pull cash out of my stabilized rentals without showing personal income. I've funded four more acquisitions this year using that equity."
Common Questions
Answered.
Get Pre-Qualified
in Minutes.
No credit pull required to get started. Tell us about your property and we'll have a loan officer reach out within 24 hours.
What type of DSCR loan do you need?
No credit pull · Takes 2 minutes · No obligation