Qualify on Rental Income · 30-Year Fixed · No Impact to Credit Score
Investment Property Only • No Impact to Credit Score
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By clicking Submit, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
A loan specialist will contact you within 1 business day with your financing options.
LendingStreet's DSCR loan program is built for real estate investors who want to grow their rental portfolio without the red tape of traditional income verification. Qualification is based on the property's Debt Service Coverage Ratio — not your W-2, tax returns, or employment status.
Self-employed investors, those with complex tax situations, and portfolio landlords consistently choose DSCR loans because they offer competitive rates, 30-year terms, and the ability to scale without personal income scrutiny.
Get My DSCR Options →Qualify on rental income — not your personal W-2 or tax returns
14 rental properties, self-employed, no W-2. LendingStreet got me a DSCR loan at a rate my bank couldn't match. Seamless from start to finish.
My accountant writes off everything, so my taxable income looks terrible. DSCR was the only way I could expand my portfolio. Funded in 18 days.
Best rates I found anywhere for a DSCR product. My 8-unit property qualified easily and the 30-year term keeps my cash flow strong.
Fill out our online form with basic information. Get approval status within 48 hours. No hard credit pull required.
Use our secure digital platform to submit your property details and documents. Fast, simple, and fully paperless.
Receive your loan offer with competitive rates and terms. Funds deposited directly to your account — as fast as 5 business days.
Find out if your rental property qualifies for a DSCR loan in 30 seconds. No personal income verification needed — just enter your rent and estimated monthly payment.
Free · Takes 30 Seconds · No Credit Pull
Direct lenders only offer what's in their own rate sheet. If your deal doesn't fit their box, they decline. LendingStreet routes your deal across 30+ capital partners to find the one with the best rate, highest LTV, and fastest timeline for your specific situation. One application, 30+ possible outcomes.
We don't do owner-occupied mortgages or first-time homebuyer programs. 100% of our focus is business-purpose loans for real estate investors. That specialization means we understand DSCR, LTC, ARV, BRRRR, and portfolio consolidation in ways general mortgage companies don't.
Bridge loans in 5–10 days. Fix & Flip in 7–14 days. DSCR in 21–30 days. We pre-qualify you in minutes with no hard credit pull, and we don't chase W-2s or tax returns on DSCR. When timing matters, we move at the pace of your deal.
10 years serving investors. $4.36B funded across 8,196 closed deals in 48 states — from first-time BRRRR acquisitions to $5M+ commercial portfolios. We've seen your deal before. We know how to structure it.
Contact one of our experienced loan specialists today.