Loan Program
DSCR Loans
The investor's loan — qualified on rental income, not personal tax returns.
Debt Service Coverage Ratio (DSCR) loans qualify the property, not the borrower's W-2s. The property's rental income is compared to the proposed mortgage payment, and that ratio determines approval. Ideal for real estate investors building a portfolio, self-employed borrowers, and anyone whose tax returns don't tell the full income story.
Best for
- Real estate investors scaling portfolios
- Self-employed borrowers
- Foreign nationals (some programs)
- Borrowers with complex personal income
Highlights
- No tax returns or W-2s required
- Qualifies on property cash flow
- Multiple properties allowed
- Down payments typically 20–25%
Important. Information shown is for general guidance only and does not constitute an offer of credit or commitment to lend. All loans are subject to credit and property approval, underwriting guidelines, and applicable state and federal law. Rates, programs, and terms are subject to change without notice. Available only in states where AN LENDING LLC is licensed.