Your Income Isn't the Bottleneck. The Deal Is.
DSCR stands for Debt Service Coverage Ratio, it means the rental qualifies on the property's rent, not your W-2, tax returns, or personal income. Close in as fast as 7 days with our digital DSCR program. No appraisal on loan amounts over $400K. Credit scores from 640.
"Personal income is the bottleneck, not the deal."
Traditional lenders look at your W-2 and calculate how much you can "afford." But if a property generates $5K/month and costs $3K/month to carry, it doesn't matter what your personal income looks like. The deal speaks for itself. DSCR loans listen.
Need capital for your down payment?
A HELOC on your primary residence or existing rental property can fund your next DSCR deal, without liquidating assets or touching your cash reserves. Fund in as few as 5 days.
See HELOC Options →WCL Digital DSCR Advantages
Competitive advantages most investors don't know exist, and most loan officers can't offer.
Close in as Fast as 7 Days
Our digital DSCR program eliminates traditional delays. Fully streamlined from application to funding.
No Appraisal on Loan Amounts Over $400K
Loan amounts over $400K use automated valuation, skip the 2-3 week appraisal wait and close faster.
Credit Scores from 640
Tier 1 lender pricing available for qualified investors. Lower FICO thresholds than most DSCR programs.
What Is DSCR?
DSCR = Property Income ÷ Property Expenses
If the property covers its own debt, you qualify. Period.
No W-2 Required
Close in LLC
No Property Limit
DSCR Calculator
Advanced Options
$200 × 75% × 30 = $4,500/mo
Tight, let's discuss optimization
Rated 5 Stars on Experience.com
This is an estimate, not a commitment. Actual terms require a full review.
How I'd Structure This Deal
Based on a deal I recently closed in Nevada.
Chad's Take
This is a deal that doesn't work on paper if you're trying to qualify with personal income. W-2 underwriting would kill it. But on a DSCR basis, the property's cash flow speaks for itself, 2.29x coverage even after a $1,495/mo HOA and STR program fee. Most people see that HOA number and walk away. I see a deal where the building's STR infrastructure and Strip-corridor location generate $85K a year in gross revenue on a $275K asset. We underwrote it at 79% occupancy, not peak season numbers. That's how I structure these, prove the deal works in the worst-case month, not the best one.
Who This Is For
The Active Investor
You own 2+ properties and want to scale without income-based lending caps.
The First-Time Investor
You're a homeowner looking to use HELOC equity for your first rental. We pair HELOC + DSCR.
Learn about HELOCsThe Self-Employed Investor
You write off everything, great for taxes, terrible for traditional loans. DSCR ignores your returns.
DSCR Advantages
No Income Verification
Close in LLC/Entity
No Property Count Limit
Close as Fast as 7 Days
Cash-Out Refi Available
Credit Scores from 640
Frequently Asked Questions
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Already a homeowner? See how your equity could fund a DSCR deal, model the full cycle with our HELOC Investment Strategy Tool →