For Real Estate Investors, New & Experienced

Grow a Rental Portfolio — Or Start One — Without Your Personal Income Getting in the Way.

DSCR loans qualify off the property's rental income, not your personal tax returns or W-2s. Whether you own ten rentals or you're thinking about your first, the property does the qualifying.

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Which One Are You?

DSCR Works Differently Depending on Where You're Starting

A DSCR loan qualifies you based on the rental income the property itself can generate — not your personal debt-to-income ratio. That means it works whether this is your first deal or your tenth.

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New to Investing?

Skip the personal income and DTI maze entirely — the property's rent covers the qualifying
No tax returns or W-2s required to get started
Close in your personal name or set up an LLC from day one
Start building equity instead of paying someone else's mortgage

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Growing a Portfolio?

No cap on the number of financed properties tied to you personally
Each property qualifies on its own merit — not stacked against your personal DTI
Close in an LLC for liability protection as you scale
Move faster on your next deal without waiting on tax returns or pay stubs

The Property Qualifies Itself

DSCR stands for Debt Service Coverage Ratio — a fancy way of saying "does the rent cover the mortgage?"

✓ Qualify off rental income, not personal income

✓ No tax returns or W-2s required

✓ 20–25% down, competitive investor rates

✓ No limit on number of financed properties

✓ Close in an LLC

✓ Single-family, duplex, and small multifamily eligible

Daniel Taylor

Mortgage Loan Originator · NEXA Lending · NMLS# 2703683

"I work with first-time investors buying their first duplex and seasoned landlords adding their fifteenth door — the conversation is different, but DSCR usually fits both. Let's talk about where you're at and where you're headed."

See What a DSCR Loan Looks Like for You

No obligation, no impact to your credit to have a conversation. Bring the property (or the idea of one) and let's run the numbers.

Explore DSCR Loan Options →