The property’s income can qualify the loan.
DSCR loans let real estate investors finance based on the property’s own cash flow — not personal income documentation.
Equal Housing Opportunity
Built for investors, not W-2 employees.
DSCR — debt service coverage ratio — loans exist because a lot of strong investors don’t have a personal income picture that matches the size of loan they need, especially if they’re self-employed, hold income in a business entity, or own multiple properties. DSCR lending sidesteps that entirely by looking at whether the property itself generates enough income to cover its own debt payments.
The property does the talking.
Instead of verifying your personal tax returns or pay stubs, underwriting looks at the subject property’s projected or actual rental income relative to its housing expense. The stronger that ratio, generally speaking, the more straightforward the qualification conversation — but exact thresholds depend on the specific investor guidelines behind each loan, which is why we don’t publish a blanket number here (see below).
Available nationwide for qualifying business-purpose transactions — not limited to California. The loan programs on this page are business-purpose loans for non-owner-occupied investment or business property — they are not intended for personal, family, or household use. Because they’re business-purpose loans, we offer them nationwide, separately from our California-only consumer home loan programs. This page is general program information, not a set of loan terms, a commitment to lend, or an offer of credit.
Wondering if you’d qualify? Every wholesale investor sets their own guidelines, and the specific numbers — minimum credit score, maximum loan-to-value, qualifying ratios — genuinely vary from loan to loan. Rather than guess at figures here, we’ll walk you through current guidelines for your specific scenario using the same investor relationships we place these loans through. Contact us → and let’s talk about your situation directly.
Get pre-qualified for a DSCR loan.
Rates, programs, and terms are not guaranteed and are subject to borrower qualification and final lender approval. This is not a commitment to lend.
Nationwide Funding Group Corp, a licensed mortgage lender and mortgage broker | 350 S Crenshaw Blvd, Ste A206A, Torrance, CA 90503 | (310) 961-9750 | NMLS #98906 | CA DRE Corporation License #01801836 (licensed, active, since 2007) | Broker of Record: Alexander J. Gonzalez | NMLS #98329 | CA DRE #01384006 | Equal Housing Opportunity | NMLS Consumer Access → | Licensing & Disclosures | Privacy Policy | Terms of Use | Accessibility Statement | This is not a commitment to lend. All loan programs are subject to borrower qualification, property eligibility, and lender approval, and are not guaranteed.