- No tax returns or pay stubs required
- Qualify based on property cash flow (DSCR)
- LLC & self-employed investor friendly
- Purchase or refinance 1–4 unit properties
Who This Is For
Designed for Real Estate Investors Who:
- Own or are buying rental properties
- Want to qualify without W-2s or tax returns
- Hold properties in an LLC or personal name
- Prefer fast, predictable underwriting
If the property cash flows, the borrower can qualify — even if personal income looks messy on paper.
How DSCR Qualification Works
Instead of using your personal income, DSCR loans qualify you based on the property’s rental income vs. expenses.
- No personal debt-to-income calculation
- Rental income determines eligibility
- Flexible guidelines compared to conventional loans
This makes DSCR ideal for full-time investors, self-employed borrowers, and portfolio landlords.
DSCR Loan Highlights
- No income or employment verification
- Short-term and long-term rental options
- Purchase and refinance available
- Competitive non-QM pricing
- Fast, investor-focused underwriting
Programs vary by scenario — a quick call helps identify the best fit.
Why Investors Choose 1st Nationwide Mortgage
- Investor-focused lending expertise
- Access to multiple DSCR programs
- Clear expectations and fast responses
- Licensed mortgage professionals
We specialize in non-QM and investor financing — not one-size-fits-all loans.
Get Your DSCR Loan Options
1st Nationwide Mortgage, NMLS 1281. Loan programs subject to credit approval and property requirements. Not all applicants will qualify. Terms and conditions may apply.
Ready to Get Started?
Talk to a licensed loan officer about your options — no obligation.