Qualify Real Estate Cash Flow Without Personal Income
Fast, reliable wholesale DSCR loans for real estate investors. Finance long-term rentals or Airbnb/VRBOs using subject property rent—close in an LLC with zero income verification.
Check DSCR Rate & Pre-Qualify
Receive a custom wholesale rate quote with zero impact on your credit score.
Quote Request Sent!
Thank you! Tommy Kwong at Sound Lending Team has received your details for Zip Code and will deliver your custom wholesale terms shortly.
Instant DSCR Coverage Calculator
DSCR = Gross Monthly Rent ÷ Monthly Debt Service (PITIA). Measure your debt coverage instantly.
Why Real Estate Investors Choose DSCR
Bypass tax return analysis, debt-to-income limits, and employment verifications.
No Tax Returns Needed
No W-2s, paystubs, or tax forms required. Qualification relies strictly on property rental income exceeding monthly mortgage debt.
Short-Term Rentals (Airbnb)
Fully eligible for VRBO and Airbnb properties using AirDNA projections or 12-month historical platform reports to calculate DSCR.
Close In LLC or Entity
Protect your personal assets. Close directly under your LLC, Series LLC, Corporation, or Partnership without hassle.
No-Ratio Options Available
Vacant property or under-performing rent? We offer competitive No-Ratio options down to 0.0x coverage for quick turnarounds.
Unlimited Portfolio Scaling
No caps on total financed properties. Scale your portfolio infinitely without triggering conventional Fannie Mae 10-cap limits.
14-21 Day Fast Closing
Streamlined appraisal and title processing through Sound Lending Team ensures fast execution so you never miss an acquisition.
How We Close Your DSCR Loan
Submit Quick Quote
Fill out property Zip Code, loan amount, and rent estimate in under 60 seconds.
Receive Wholesale Term Sheet
Tommy Kwong issues a custom pre-qualification matrix with rate options and LTVs.
Appraisal & Title
We order appraisal with 1007 rent schedule or STR analytics report.
Clear to Close
Funds wired to title company and deed recorded in your LLC name.
Frequently Asked Questions
What minimum credit score is required for DSCR loans?
Minimum credit scores start at 620, though higher scores (700+) unlock up to 80% LTV on purchases and cash-out refinances at wholesale rates.
How is monthly rent verified for vacant properties?
For vacant long-term rentals, we utilize the Form 1007 Fair Market Rent Schedule completed by the appraiser. For short-term rentals, we accept AirDNA custom revenue reports or platform history.
Can I close in my personal name instead of an LLC?
Yes! While many investors prefer closing in an LLC or Corporation for asset protection, personal ownership is also fully supported under our DSCR guidelines.