Invest Smarter with DSCR Loans — No Tax Returns Required

Debt-Service Coverage Ratio (DSCR) loans make it easy for real estate investors to qualify based on rental income—not personal income. 

A DSCR loan is a mortgage designed for real estate investors who want to qualify using the income from their rental property—not their tax returns, pay stubs, or W-2s. Instead of personal income, lenders use your property's Debt-Service Coverage Ratio to determine eligibility. That means if the rent covers the mortgage, you may qualify.

Your DSCR is calculated as: Monthly Rental Income ÷ Monthly Mortgage Payment. Most lenders require a DSCR of 1.0 or higher—meaning the rent covers or exceeds the payment.

Whether you’re buying your first investment property or your tenth, DSCR loans can help you close fast—with less paperwork and more flexibility.

✅ No income verification or tax returns needed

🏘️ Perfect for first-time or seasoned investors

💼 Ideal for self-employed buyers and LLCs

📈 Unlimited properties allowed in many cases

🔄 Refinance or purchase with ease

🌎 Available for short-term rentals, long-term rentals, and Airbnbs

Q: Do I need to show income or job history?
No. DSCR loans qualify you based on the property's income.

Q: Can I use a DSCR loan on an Airbnb or short-term rental?
Yes, many DSCR lenders allow income from short-term rental platforms like Airbnb and VRBO.

Q: Can I close in an LLC?
Absolutely. Many investors close in LLCs or trusts for asset protection.

At The Federal Savings Bank, we make home financing easy. Whether you're buying, refinancing, or just exploring options, we’re here to help. Located at 1150 South Ave, Suite 304B, Staten Island NY 10314, we offer competitive rates, great service, and a smooth and fast loan process from start to finish. 

Company NMLS: 411500

Texas Mortgage Disclosure: Consumers wishing to file a complaint against a mortgage banker or licensed residential mortgage loan originator should contact the Texas Department of Savings and Mortgage Lending (SML). Visit [www.sml.texas.gov](https://www.sml.texas.gov) for instructions and to obtain a complaint form. Mailing Address: 2601 North Lamar, Suite 201, Austin, TX 78705 • Toll-Free: 1-877-276-5550 (Required per 7 TAC §80.200(b))