Your Property Earns It.
Let It Qualify for It.
Traditional loans hold investors back with mountains of paperwork and personal income requirements. DSCR loans were built differently for investors, by people who understand investing.
No Personal Income Verification
We qualify your loan using the property's rental income not your W-2s, tax returns, or pay stubs. Self-employed? Retired? Multiple properties? No problem.
Borrow Through Your LLC or Entity
Protect your personal assets and keep your investments organized. We allow borrowing through LLCs, corporations, and other business entities.
No Limit on Properties Financed
Conventional loans cap you at 10 financed properties. We use common-sense underwriting what matters is the deal, not an arbitrary portfolio limit.
Vacant Properties Welcome
Most lenders require an occupied property for a refinance. We don't. We use an appraiser's projected rental income report to qualify vacant properties.
DSCR vs. Conventional Loans
See why real estate investors are making the switch to DSCR financing.
| Feature | Trulo DSCR Loan | Conventional Loan | Bank / Portfolio Loan |
|---|---|---|---|
| Tax returns / W-2s required | ✗ No | ✓ Yes | ✓ Yes |
| Qualify on rental income | ✓ Yes | ✗ No | ✗ Rarely |
| LLC / Entity borrowing | ✓ Yes | ✗ No | ~ Sometimes |
| No limit on financed properties | ✓ Yes | ✗ Max 10 | ~ Varies |
| Vacation rental / Airbnb income | ✓ Accepted | ✗ No | ✗ Rarely |
| Vacant property financing | ✓ Yes | ✗ No | ✗ No |
| Fast close (8–10 business days*) *Given no 3rd party delays | ✓ Yes | ✗ 30–45 days | ✗ 30–60 days |
DSCR Loans for Every Investor
Whether you're buying your first rental or refinancing your tenth, we have a DSCR program built for how you invest.
Purchase
Qualify based on the property's rental income not your W-2s or tax returns. We finance 1-4 unit residential, 5+ multifamily, commercial, and mixed-use properties with up to 85% LTV.
- Up to 85% LTV
- 30-year fixed, 40-year, or ARM options
- Interest-only available
- No minimum credit score
- LLC / entity borrowing accepted
- All property types considered
Cash-Out Refinance
Pull equity from your existing investment property and redeploy it into your next deal. We offer up to 80% LTV with a 3-month seasoning period from purchase date no income verification required.
- Up to 80% LTV cash-out
- 3-month seasoning from purchase date
- No W-2s or tax returns required
- Vacant properties eligible
- LLC / entity borrowing accepted
- No points options available
Short-Term / Airbnb Rentals
We accept short-term rental income for DSCR qualification including Airbnb and vacation rentals. Most lenders won't touch STR income; we do.
- Airbnb & vacation rental income accepted
- Purchase, refinance, and cash-out available
- Single-family, condos, and multi-unit
- No personal income required
- LLC / entity borrowing accepted
- No minimum credit score
Vacant Property
Most lenders require a tenant-occupied property for a refinance we don't. Vacant properties are eligible for purchase, refinance, and cash-out. We use an appraiser's projected rental income to qualify.
- Vacant properties eligible for purchase, refi & cash-out
- Appraiser's projected rent used for DSCR calculation
- No tenant required at time of closing
- Property must be in livable condition
- No minimum credit score
- LLC / entity borrowing accepted
No-Ratio / Sub-1.0 DSCR
A DSCR below 1.0 doesn't automatically disqualify you. We have no-ratio programs where the property's cash flow isn't used to qualify at all ideal for tight cash flow or transitional properties.
- DSCR below 1.0 accepted
- No-ratio option cash flow not required to qualify
- Up to 70% LTV
- 30-year fixed available
- No minimum credit score
- LLC / entity borrowing accepted
Every Investor Has a Stage.
We Have a Program for Each.
Whether you're closing your first deal or managing a portfolio of 20 properties, our DSCR programs are designed to meet you where you are.
Emerging Investor
Just getting your first or second investment property off the ground? DSCR loans remove the W-2 barrier meaning your property does the qualifying.
- No personal income docs required
- No minimum credit score
- As little as 15% down
- Single-family and small multifamily
- Fast close so you never miss a deal
Active Investor
Growing your portfolio and tired of conventional loan restrictions? No property caps, LLC borrowing accepted, and we close in 8–10 days so you move as fast as the market does.
- No limit on financed properties
- LLC / entity borrowing accepted
- Short-term and Airbnb rental income ok
- Vacant property programs available
- Cash-out refi to fund next deal
Portfolio Investor
Managing a significant portfolio and looking to simplify? Our blanket loan and portfolio programs let you consolidate, pull equity, and scale without the overhead of a dozen separate loans.
- Blanket loans for 2+ properties
- Portfolio-level DSCR qualification
- Cash-out refi to pull equity across properties
- Commercial and mixed-use included
- One lender for your full portfolio
Transparent Terms. No Surprises.
Calculate Your DSCR in 30 Seconds
Enter your property's numbers below to see your DSCR ratio instantly. No forms, no credit pull, no phone call required.
How is DSCR Calculated?
DSCR = Monthly Rent ÷ Monthly PITIA (Principal, Interest, Taxes, Insurance, and any HOA).
A ratio above 1.0 means the property cash flows positively. At Trulo, we work with ratios as low as 0.75x.
From Application to Closed in 4 Steps
We've engineered a streamlined process so you can focus on finding deals not chasing paperwork.
Check Your Rate
Get a rate quote in minutes with no credit pull. Share your property details and we'll show you your options.
Submit Your Application
No tax returns. No W-2s. Just the property details, a lease or rent estimate, and a quick application. Most investors are done in under 20 minutes.
We Order the Appraisal
We pre-approve before ordering the appraisal so you have certainty before spending money. No surprises at the finish line.
Close Your Deal
Once the appraisal comes in, we move fast. Most DSCR loans close in 8–10 business days*.
*Given no third-party delays.
Real Investors. Real Results.
"I was denied by two conventional lenders because of my self-employment income. Trulo closed my deal in 9 days using nothing but the lease. I've done three more loans with them since."
"I was nervous the Airbnb wouldn't qualify, but Trulo knew exactly how to structure it using AirDNA income. No other lender I spoke to would touch it. Closed in under two weeks."
"We used the cash-out refi on our first rental to fund the down payment on our third. Trulo made the strategy actually work for us. Fast, no nonsense, and they know investors."
DSCR Loan FAQs
If your credit score is a concern, you may also want to explore our Hard Money loan option.
Ready to Fund Your Next Deal?
Submit your details or call now for a free quote.