No Tax Returns. No W-2s. No Problem.

DSCR Loans
Without the Paperwork.

DSCR loans qualify on the property's cash flow — not your income. Perfect for full-time investors, self-employed borrowers, and anyone with complex financials.

No Personal Income Docs
Up to 85% LTV
Long-Term 30-Yr Loans
Unlimited Properties

Calculate Your DSCR

$
$

Principal · Interest · Taxes · Insurance · HOA

Calculated DSCR1.25
Strong ✓
You'll easily qualify

Let the Property Pay for Itself.

DSCR = Debt Service Coverage Ratio. It measures whether a rental generates enough income to cover its mortgage.

Formula: DSCR = Monthly Gross Rent ÷ Monthly PITIA

A DSCR of 1.0 means rent covers the exact mortgage. We require 1.0–1.25 minimum depending on LTV.

Why investors love DSCR:

  • No W-2s
  • No tax returns
  • No employment verification
  • No income limits
  • LLC ownership allowed
  • Unlimited properties

DSCR Qualifying Scale

Below 1.0Does Not Qualify

Rent doesn't cover PITIA

1.0 – 1.19Minimum Qualify

Qualifies with more conservative leverage

1.20 – 1.24Standard Qualify

Broader loan options available

1.25+Strong — Best Rates

Best terms and pricing available

DSCR Loan Terms

Loan Amounts$50,000 – $5,000,000+
Purchase LTVUp to 85%
Cash-Out LTVUp to 80%
Minimum DSCR1.0 (no-ratio available)
Loan TermsVarying
RateStarting at 6%
Prepayment1, 3, 5, or none
Credit Score580+ minimum
Entity OwnershipLLC, LP, Corp allowed
Property TypesAny

Who DSCR Loans Are For

  • Self-employed or 1099 borrowers who can't prove income traditionally
  • Investors with 4+ financed properties (Fannie limits hit)
  • LLC owners building a portfolio under an entity
  • BRRRR investors refinancing a cash-flowing rental
  • Short-term rental (Airbnb/VRBO) operators

Not the Right Fit If:

  • The property has negative cash flow (DSCR < 1.0)
  • You want to finance a primary residence
  • Property has no comparable rental market

Investors Who've Scaled with DSCR

Real portfolios, zero income verification.

"Used DSCR to add 4 rentals in a year. My accountant writes off everything — impossible to show income. Epic didn't care. Deal qualified."

M
Marcus T.
Dallas, TX • 4-Unit Portfolio

"My Airbnb generates 2x the mortgage. Epic used 75% of projected STR income to qualify. Closed in 22 days. Game changer."

K
Keisha M.
Scottsdale, AZ • Short-Term Rental

"7 properties, all in an LLC. Epic is the only lender that actually gets how serious investors structure their business."

T
Tony R.
Nashville, TN • Portfolio Investor

DSCR Loan FAQ

Your rental qualifies. Let's prove it.

Get your DSCR rate in under 5 minutes. No income docs required.