Rental property financed with asset-based investment property loans
DSCR Loans · Direct lender since 2001

Looking for a DSCR Loan? We Built Something Better.

We finance investment property based on appraised value and equity. No debt service coverage ratio is required.

$1M rental, tenant paying $300/month? A DSCR lender rejects it at a 0.15 ratio. We approve it on the appraised value.

or call (800) 805-3391

Tell Us About Your Scenario

Send us the property details. We'll respond with terms, not a runaround.

Why no DSCR? Other lenders calculate a debt service coverage ratio to prove the rent covers principal, interest, taxes, and insurance. We don't require it — one less hurdle between you and the closing table.

Want to See Your Financing Options?

Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.

Secure · No obligation · 1-hour response during business hours

What Is a No-DSCR Investment Property Loan?

A no-DSCR loan is investment property financing approved on the property's appraised value and equity instead of its rental income. Insource Funding, a direct private lender since 2001, requires no debt service coverage ratio, no tax returns, and no minimum credit score on residential investment loans from $100,000 to $5,000,000, closing in 8–13 business days in 43 states plus Washington, DC.

Reviewed by the Insource Funding lending team · Updated July 2026

New to DSCR loans?

Learn how DSCR loans work, how the ratio is calculated, typical qualification requirements, and where traditional DSCR underwriting can become restrictive.

Learn About DSCR Loans

Loan Terms

What Your Financing Could Look Like

Straightforward terms built for real estate investors.

Loan Term30-Year Fixed
RatesCompetitive — contact us for a personalized quote
Loan Amounts$100K – $5M
LeverageUp to 75% cash-out · Up to 90% CLTV on purchases
DSCRNot required on residential investment. Larger-balance commercial can go as low as 0.80.
Income DocsNone — no tax returns, W-2s, or pay stubs
CreditNo minimum FICO (only determines rate and leverage)
Interest-OnlyAvailable
PrepaymentMinimum 12 months
Property TypesSFR, 2-4 unit, condo, townhome, mixed-use, small multifamily
OccupancyNon-owner occupied
States43 states + DC (not available in AK, AZ, MN, ND, NV, SD, VT)

How We Compare

Us vs. a Typical DSCR Lender

Same investor profile. Different answer at the closing table.

Typical DSCR Lender
Insource Funding
Qualification
Rent must cover PITIA by 1.0–1.25x or the deal dies
Property value qualifies. No DSCR ratio to hit on residential.
Income Docs
Often still asks for tax returns, P&L, or VOE
None. No 1040s, W-2s, pay stubs, or bank statements.
Credit
Hard FICO floors, typically 660–680
No hard minimum. Lower scores reviewed on equity.
Capital Source
Loan sold to outside investors mid-process
Direct private lender since 2001. We control the file end-to-end.
Vacancy
Vacant or pre-lease properties often disqualify
Vacant OK on purchases. Refis just need active lease-up.
Close Time
30–45 days typical
8–13 business days on a complete file.

The Process

Three Steps to Closing

A direct process from application to closing, without unnecessary paperwork.

01

Application & Property Info

Submit the application with the purchase contract (if buying) or your latest mortgage statement and payoff (if refinancing).

02

Term Sheet & Appraisal

Review and sign the term sheet. We order the appraisal and open title the same day.

03

Closing Documents

Send ID, insurance contact, and entity docs if closing in an LLC (plus payoff on a refi). We finance the loan in 8–13 business days.

Same-day term sheet · Close in 8–13 business days · Direct lender, no middleman

Use Cases

How Investors Use This Program

Buy & Hold Acquisitions

Purchase rentals up to 90% CLTV with a fixed 30-year payment.

Cash-Out Refinance

Pull up to 75% equity from a tenant-occupied rental and redeploy into the next deal.

Rate & Term Refinance

Replace a bridge, hard money, or balloon loan with long-term fixed debt.

Portfolio Scaling

No cap on financed properties. Close #1, #11, or #41 the same way.

Ready When You Are

Send Us the Deal. Get Real Numbers Back.

Same-day term sheet. No income docs, no DSCR calculation, no runaround.

Get a Term Sheetor call (800) 805-3391

Want to See Your Financing Options?

Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.

Secure · No obligation · 1-hour response during business hours

Real Investors

What Borrowers Actually Say

Comments from investors who closed with us, in their own words.

Our first lender stopped responding after two weeks. A friend told us to call Insource. Term sheet in an hour, closed the 12-unit in 9 days.
Michael R. · Real Estate Investor · Tampa, FL
Bank couldn't do LLC financing for investment properties. Insource didn't need tax returns — just cared if the numbers worked. Way faster than the bank.
David K. · Rental Property Owner · Long Island, NY
Mixed-use with LLC ownership — every other lender ran away. Insource actually took the time to understand the deal and closed in 11 days.
Sarah T. · Property Developer · Miami, FL

FAQ

DSCR Loan Questions, Answered

Direct answers for investors comparing DSCR loans, no-doc rental loans, and asset-based lending.

Related Programs & Guides

Tell Us What You're Buying

Rental purchase, below-market rent, vacant property, LLC buyer. We'll tell you if the deal fits.

Get a Term Sheet(800) 805-3391

NMLS disclosures apply. Investment property loans only. Not for owner-occupied primary residences.

(800) 805-3391