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DSCR loans: buy investment property with no income documentation

A DSCR loan lets you purchase or refinance an investment property with no income documentation at all — no tax returns, no W-2s, no pay stubs. It qualifies on the property's rental income instead of yours, so you can keep buying even if you already own several.

$0 Income docs to purchaseRent Qualifies the loanMultiple Properties OK
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Reviewed by Ahoo Khalessi, Division Manager & Loan Officer, NMLS #2239510  ·  Last updated June 2026

Can I buy an investment property without tax returns?

Yes — with a DSCR loan. Qualification is based on whether the property's rent covers the loan payment, not on your personal income. That means no tax returns, no W-2s, no pay stubs, and no employment verification.

How DSCR qualification works

DSCR stands for Debt Service Coverage Ratio: the property's rental income divided by its total loan payment. A ratio of 1.0 means rent exactly covers the payment; higher is stronger. Many programs allow ratios at or even below 1.0 with the right structure.
The point: the property qualifies itself. Your job, tax returns, and debt-to-income don't gate the loan the way they do on a conventional mortgage.

Who DSCR loans are for

Real estate investors who want to scale without income-documentation hurdles, self-employed buyers whose tax returns understate their income, and anyone purchasing through an LLC. Works for long-term rentals and, with many lenders, short-term rentals.

Why CTC Equity for DSCR

DSCR is a core specialty. With 160+ lenders, nationwide and local, we match each property to the lender with the best terms — and structure deals for investors who already own multiple properties.

Common questions

What is a DSCR loan?+

An investment-property loan that qualifies on the property's rental income (its debt service coverage ratio) rather than your personal income.

Can I buy an investment property without tax returns?+

Yes. A DSCR loan requires no income documentation — no tax returns, W-2s, or pay stubs — for purchase or refinance.

What DSCR ratio do I need?+

Often around 1.0 (rent covers the payment), though many programs allow lower with the right down payment or structure.

How many properties can I finance?+

There's typically no cap tied to your personal income, so DSCR is how many investors keep buying past the limits of conventional financing.

Can a first-time investor use a DSCR loan?+

Often yes, depending on the lender and down payment. We'll match you to a program that fits.

Can I close in an LLC?+

Yes — DSCR loans are commonly closed in the name of an LLC, which many investors prefer.

Do short-term rentals qualify?+

With many lenders, yes — short-term rental income can be used. The right program depends on the property and market.

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