DSCR

Investment Property Loans

Finance Your Next Investment Property Without Tax Returns

Terrell Capital Referral offers competitive Debt Service Coverage Ratio (DSCR) loans designed specifically for real estate investors. Whether you’re purchasing, refinancing, or expanding your rental portfolio, our DSCR loan programs focus on the property’s cash flow—not your personal income.

If your investment property generates sufficient rental income to cover the mortgage payment, you may qualify without providing tax returns, W-2s, or traditional income documentation.

What Is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a financing solution that qualifies borrowers based primarily on the rental income produced by the property. Instead of verifying personal employment or tax returns, lenders evaluate whether the property’s income is sufficient to cover the monthly debt obligation.

This makes DSCR financing an ideal solution for experienced investors, self-employed borrowers, and individuals with complex tax returns.

Eligible Property Types

We finance a wide variety of investment properties, including:

  • Single-Family Rental Homes
  • Condominiums
  • Townhomes
  • 2–4 Unit Residential Properties
  • Long-Term Rental Properties
  • Portfolio Investments

Program Highlights

  • Loan amounts from $100,000 to $2,000,000
  • Up to 80% Loan-to-Value (LTV) for purchases
  • Up to 75% LTV for rate-and-term refinances
  • Competitive fixed and adjustable interest rate options
  • 30-year loan terms available
  • No personal income verification
  • No tax returns required
  • No W-2s or pay stubs required
  • LLC ownership permitted with many programs
  • Foreign national and non-QM options available through select lending partners

General Qualification Guidelines

Borrowers typically should have:

  • Minimum mid-FICO score of 660
  • DSCR of 1.00 or greater (programs vary by lender)
  • Sufficient property cash flow
  • Acceptable property condition
  • Required reserves based on loan program

Guidelines vary by lender and property type.

Ideal For

Our DSCR loan programs are designed for:

  • Real estate investors
  • Self-employed borrowers
  • Landlords growing rental portfolios
  • Investors purchasing through an LLC
  • Borrowers with multiple financed properties
  • Investors seeking a faster, simpler approval process

Purchase or Refinance

Whether you’re purchasing your next investment property or refinancing an existing rental to improve cash flow, our lending network provides flexible financing solutions tailored to your investment strategy.

Our team works with a broad network of non-QM lenders and private capital providers to help match borrowers with the program that best fits their needs.

Why Work With Terrell Capital Referral?

Terrell Capital Referral is a commercial finance and private lending intermediary committed to helping investors secure efficient financing solutions. We understand that every investment is unique and work closely with our lending partners to identify competitive loan options for each transaction.

Our goal is to simplify the lending process while providing responsive service from initial inquiry through closing.

Request a Loan Consultation

If you’re ready to purchase or refinance an investment property, our team is ready to help.

Contact Terrell Capital Referral today to discuss your financing needs and determine which DSCR loan program is right for your investment goals.

Terrell Capital Referral

Helping Real Estate Investors Access Flexible Capital Solutions.