📊 DSCR Loans — No Tax Returns. No W2s. No Problem.

Investor loans that qualify on rental income, not yours.

Skip the tax returns, W2s, and pay stubs. DSCR loans let you qualify based on the property's cash flow. Close in as little as 21 days. Available in most states.

Run Your Numbers Get Pre-Qualified
21
Day Closings
1.0+
Min DSCR Ratio
Most
States Available
$0
Tax Returns Needed
🔒 No Income Verification 📄 No Tax Returns ✂️ No W2s or Pay Stubs ⚡ Close in 21 Days 🇺🇸 Most States
DSCR Calculator
Does your deal qualify?
Plug in your numbers and instantly see your DSCR ratio, monthly cash flow, and cash-on-cash return.
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Get Pre-Qualified for This Deal →
How It Works
DSCR loans in 4 simple steps.
01

Run Your Numbers

Use the calculator above to check if your deal qualifies. Most lenders require a DSCR of 1.0 or higher.

02

Get Pre-Qualified

Fill out the form below. No tax returns, W2s, or pay stubs needed. We verify the property's income potential.

03

Lock Your Rate

We shop your deal across our investor lender network to find the best rate and terms for your DSCR loan.

04

Close & Cash Flow

Close in as little as 21 days. Start collecting rent. Build your portfolio.

DSCR Loan Programs
Flexible options for every investor.
🏠

Long-Term Rental

30-year fixed rate. Qualify on actual or projected rental income. 1-4 unit residential properties.

30-year fixed
Up to 80% LTV
Min DSCR 1.0
No income docs
🏢

Short-Term Rental

Airbnb and VRBO income eligible. Qualify on 12-month average rental history or projected STR income.

Airbnb/VRBO income OK
12-month avg or projection
Up to 75% LTV
Popular in vacation markets
📦

Portfolio / 5-10 Units

Scaling your portfolio? Finance 5-10 properties under one loan with blanket DSCR financing.

5-10 property blanket
Simplified underwriting
One closing
Portfolio-level pricing
Perfect For
Built for serious investors.
🏘️

Buy & Hold Investors

Building a rental portfolio? DSCR lets you qualify deal by deal without showing personal income.

💼

Self-Employed

Can't show traditional income docs? If the property cash flows, you qualify.

🔑

First-Time Investors

Buying your first rental? We walk you through every step of the DSCR process.

📈

Scaling Portfolios

Already own 5, 10, 20+ doors? Conventional limits won't stop you. No property count cap.

Investor Reviews
Real investors. Real results.
★★★★★
"Working with Clavis Capital Group was a game changer for my real estate investments. The DSCR loan process was smooth, and their team truly understands investor needs."
Verified Investor
DSCR Purchase — CA
★★★★★
"Clavis Capital helped me secure financing without the usual income documentation. As a self-employed borrower, this was exactly what I needed."
Verified Investor
Bank Statement Loan — CA
★★★★★
"Closed in under 3 weeks on a rental property. No tax returns, no hassle. Ken and his team made it simple. Already working on deal #2."
Verified Investor
DSCR Purchase — FL
Get Pre-Qualified
Ready to close your next deal?

Fill out the form and a DSCR specialist will reach out within 5 minutes during business hours. No credit pull required for pre-qualification.

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No tax returns, W2s, or pay stubs required
✓
Pre-qualification in as little as 24 hours
✓
Close in as little as 21 days
✓
Available in most states
✓
Competitive investor rates
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Direct access to the broker — not a call center

DSCR Pre-Qualification

Takes 30 seconds. No credit pull.
By submitting, you agree to be contacted about your loan inquiry.
FAQ
Common questions about DSCR loans.
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is an investment property loan that qualifies you based on the property's rental income rather than your personal income. If the property's rent covers the mortgage payment, you qualify.
What DSCR ratio do I need?
Most lenders require a minimum DSCR of 1.0 (rent equals mortgage payment). A DSCR of 1.25+ gets you the best rates. Some programs allow DSCR as low as 0.75 with a larger down payment.
Do I need tax returns or W2s?
No. That's the whole point. DSCR loans do not require personal income documentation. No tax returns, no W2s, no pay stubs, no employer verification.
How much do I need for a down payment?
Typically 20-25% down on a DSCR loan. Some programs allow as little as 15% down with a strong DSCR ratio and credit score.
What credit score do I need?
Most DSCR programs require a minimum 660-680 credit score. Higher scores qualify for better rates and lower down payment options.
Can I use Airbnb or VRBO income?
Yes. Short-term rental income from Airbnb, VRBO, and similar platforms can be used to qualify. We can use 12-month historical income or projected market rents.
What states can I get a DSCR loan in?
We offer DSCR loans in most states. California, Florida, and Texas are our primary markets, but we can close deals across the country.
How fast can you close?
Most DSCR loans close in 21-30 days. We've closed deals in as little as 14 days when all documentation is ready.

Stop leaving deals on the table.

Every day you wait is a day another investor closes the deal you wanted. Get pre-qualified today and start building your portfolio.

Get Pre-Qualified Now Call 949-408-7969