Private Lending
DSCR Loans for
Serious Investors.
Residential & commercial DSCR financing up to $50,000,000. No tax returns. No income verification. Just the deal.
Loan Programs
Built for Real Investors.
Two programs, one lender, every deal. Whether you're buying your first rental or scaling a commercial portfolio, we have a product that fits.
Residential DSCR
Most PopularBuilt for 1–4 unit investment properties. Qualify on rent, not income. Close in weeks, not months.
- Single family, condos, townhomes, 2–4 units
- Loan amounts from $150K to $3MM
- Minimum DSCR: 1.0x
- Up to 80% LTV on purchase, 75% on cash-out refi
- 30-year fixed, 5/1 ARM, 7/1 ARM options
- Interest-only periods available
- No tax returns, no income verification
- LLC, trust, and corporation vesting accepted
Commercial DSCR
Up to $50MMScale your portfolio with institutional-grade commercial debt on your timeline, not a bank committee's.
- 5+ unit multifamily, mixed-use, retail, office
- Industrial, self-storage, NNN, and flex space
- Loan amounts from $1MM to $50MM
- Minimum DSCR: 1.20x
- Up to 75% LTV
- 5, 7, and 10-year fixed terms with 25–30 year amortization
- Non-recourse options available on qualifying deals
- No personal income documentation required
Asset Classes
We Lend Across the Spectrum.
From your first rental to a $50MM commercial portfolio, if it generates cash flow, we have a program for it.
Single Family
SFR & Condos
2–4 Units
Small Multifamily
5–50 Units
Apartment Buildings
50+ Units
Large Multifamily
Mixed-Use
Retail + Residential
Office
NNN & Multi-Tenant
Industrial
Flex & Warehouse
Self-Storage
Climate & Non-Climate
Not sure if your property qualifies? Send us the deal and we'll let you know within 24 hours.
The Process
Simple. Fast. Funded.
From application to closing, we've removed every bottleneck that slows down traditional lenders.
Submit Your Deal
Fill out our 4-step application in minutes. Upload your PSA or mortgage statement. No tax returns. No pay stubs. No bank statements.
Get a Term Sheet
We review your file and issue a term sheet within 24–48 hours. You'll speak directly with a decision-maker — not a loan processor.
Appraisal & Underwriting
We order the appraisal and finalize underwriting simultaneously. Our streamlined process eliminates unnecessary back-and-forth.
Close & Fund
We coordinate directly with title and close on your timeline. Most deals fund within 2–3 weeks of a complete file.
Why DSCR World
The Way Lending Should Work.
Traditional banks built their process for W-2 employees. We built ours for real estate investors.
We Move at Your Speed
Term sheets in 24–48 hours. No committee approvals, no weeks of back-and-forth. You talk directly to the decision-maker who can say yes.
No Income Documentation
No tax returns. No W2s. No pay stubs. No bank statements. We qualify your loan on one thing: the property's ability to service the debt.
Direct Lender, Real Capital
We're not a broker shopping your deal to 10 lenders. We are the lender. Your term sheet means we're committed — not a quote subject to investor approval.
Flexible Loan Structures
30-year fixed, interest-only, ARM, and non-recourse options. We build the structure around your hold strategy and exit — not a one-size-fits-all product.
All Asset Classes
SFR to 100-unit multifamily. Retail, office, industrial, self-storage, NNN. One lending relationship covers your entire portfolio.
Built for Brokers Too
We pay competitive referral fees, register your deals, and never cut you out. Send us your clients — we'll make you look like a hero.
Free Tool
DSCR Calculator
A DSCR of 1.25 means your property generates 25% more income than its debt obligations.
Principal + Interest + Taxes + Insurance + HOA
At a Glance
Loan Terms Matrix
| Term | Residential DSCR | Commercial DSCR |
|---|---|---|
| Loan Amount | $150K – $3MM | $1MM – $50MM |
| LTV (Purchase) | Up to 80% | Up to 75% |
| LTV (Refi) | Up to 75% | Up to 70% |
| Min DSCR | 1.0x | 1.20x |
| Min Credit Score | 660 | 650 |
| Term Options | 30yr Fixed, 5/1, 7/1 ARM | 5, 7, 10yr Fixed |
| Amortization | 30 years | 25–30 years |
| Interest Only | Available | Available |
| Non-Recourse | No | Yes (case-by-case) |
| Income Verification | None | None |
Investor Stories
Deals Closed. Relationships Built.
“I've closed 14 deals with DSCR World. Their team picks up the phone, gives me straight answers, and actually closes. That's rare in this industry.”
Marcus T.
Portfolio Investor — 40+ Units
Atlanta, GA
“Term sheet in 36 hours on a $4.2MM multifamily. No games, no bait-and-switch. Exact terms at closing that we agreed to upfront. I'll be back.”
Jennifer L.
Commercial Real Estate Investor
Phoenix, AZ
“As a broker I've sent 8 deals their way. They pay on time, protect my clients, and close. My borrowers always come back and ask specifically for DSCR World.”
David R.
Mortgage Broker
Dallas, TX
Broker Program
We Make Brokers
Look Great.
Your borrowers trust you. When you send them to us, we protect that trust — by closing fast, communicating clearly, and never cutting you out of the picture.
We've built a broker program that rewards relationships. Submit a deal and you'll see why hundreds of brokers come back to us again and again.
Submit a DealDeal registration protects your client relationship — guaranteed
Competitive referral fees paid at closing, no waiting period
Same fast timelines your borrowers get — because their deal is your reputation
Dedicated broker point of contact. One call, real answers