DSCR / No-Income Investor Loans
Easily Scale Your Rental Portfolio
Qualify based on property cash flow instead of personal income. Through a Debt Service Coverage Ratio (DSCR) loan, investors can secure financing for rental properties faster, with flexible terms and fewer hurdles.
Receive these benefits:
- Loan amounts from $100,000 to $3,000,000
- Short-term rentals allowed (AirDNA reports accepted)
- Flexible financing options:
- Purchase
- Cash-Out Refinance
- Rate & Term Refinance
- Interest-Only Loans
- Up to 6% seller concessions
- Gift funds accepted
- Warrantable, non- warrantable, and condo hotels allowed
- No limit on the number of financed properties
- Exceptions available for investors with 5+ loans
Why Choose
N-VestPro™?
Unlike traditional loans, N- VestPro™ is based on your property’s rental analysis. No personal income or employment history required.
Who Should Apply?
N-VestPro™ is perfect for:
Real estate investors buying or refinancing rental properties
Portfolio builders adding short-term or long-term rentals
Property owners pulling cash out of existing rentals
Developers & LLCs seeking financing without personal income documentation
Eligibility
- Max LTV: up to 85% (requires 720+ credit score)
- Min FICO: 640 (up to 75% LTV)
- DSCR < 1.0 and No-DSCR options available
- Permanent & non-permanent residents allowed
- Titles can be vested in LLCs, Corps, or Trusts
Frequently Asked Questions
1. What is DSCR?
DSCR (Debt Service Coverage Ratio) measures a property’s rental income compared to its debt obligations. It’s calculated by dividing the property’s net operating income (NOI) by the mortgage debt payment. With N- VestPro™, properties with DSCR below 1.0 may still qualify.
2. Do I need to provide tax returns, pay stubs, or job verification?
No. Unlike traditional loans, N-VestPro™ does not require personal income or employment documentation. Approval is based on the property’s cash flow.
3. What types of properties qualify?
Single-family homes, condos (warrantable and non-warrantable), condo hotels, and multi-family properties are eligible. Short-term rental properties (such as Airbnb/VRBO) are also accepted, provided they have AirDNA reports.
4. Is this program available to first-time home buyers?
No. N-VestPro™ loans are strictly for business and investment purposes.
5. How many properties can I finance with N-VestPro™?
There’s no limit to the number of financed properties you can own. Exceptions are available for investors with more than five loans.
6. Are both U.S. citizens and foreign nationals eligible?
Permanent and non-permanent residents are eligible. Foreign national options may be considered on a case- by-case basis.
7. How fast can I close?
N-VestPro™ loans close faster than traditional financing, as no personal income or employment verification is required.
