Qualify by the Property. Not the Paystub.
No tax returns. No income verification. Molaven underwrites your DSCR loan around the rental income the property produces, so you can scale your portfolio without the paperwork slowing you down.
- ✓Loans from $150K to $2M +
- ✓Close in as few as 14–21 days
- ✓Purchase, refinance, or cash-out
Straightforward Terms Built Around the Property
Max Loan Amount
Up to $2,000,000
Max LTV
Up to 80%*
Minimum FICO
660
Loan Term
30-Yr Fixed or 10/1 IO
*Maximum LTV varies by FICO score and transaction type. See full program disclosures in the footer.
Flexible Guidelines for Real-World Portfolios
- Minimum DSCR as low as 0.75x, with compensating factors
- Cash-out refinances up to $500,000
- Flexible prepay options, from zero months to five years
- Vacant properties permitted on purchase transactions
- Eligible for individual borrowers or entities, including LLCs
- Single-family, 2-4 unit, condos, and multifamily up to 8 units
Built for Buy-and-Hold Investors
If you are growing a rental portfolio and tired of qualifying based on your personal income, this program is structured for you. The property carries the loan. You keep scaling.
Submit My DealBuilt for rental property investors
Traditional mortgages focus on your paycheck. DSCR loans focus on the asset — so you can scale faster.
Income-Based Qualifying
DSCR loans use the property’s rental income to qualify — ideal for self-employed investors or those with complex tax returns.
Fast, Flexible Closings
Skip the stacks of personal paperwork. Streamlined underwriting means you can close on investment properties in weeks, not months.
Portfolio-Ready Terms
Finance single-family rentals, duplexes, townhomes, condos, and small multifamily buildings — all under one simple program.
Competitive Investor Rates
Pricing built for rental investors, with options for purchase, rate-and-term refinance, and cash-out for your next deal.
No Income Docs Required
We underwrite the property, not your job history. No W-2s, pay stubs, or tax returns needed to get started.
Expert Guidance
Work with a dedicated team that understands real estate investing and can structure the right loan for your strategy.
Check your property's DSCR in seconds
Debt Service Coverage Ratio = Net Operating Income ÷ Monthly Debt Service. 1.00 or higher is auto-approved; as low as 0.75 is eligible with compensating factors.
Property & loan details
Taxes, insurance, HOA, management, maintenance, vacancy reserve
Your estimated result
Net operating income
$2,400
Monthly debt service
$2,797
DSCR ratio
0.86
Floor · Compensating Factors
This property falls in our floor range (0.75–0.99). It can still qualify with compensating factors like reserves, lower LTV, or credit strength — let’s review your options.
1.49+
Great
1.25+
Good
1.00
Auto-Approved
0.75
Floor
Frequently Asked Questions
What is a DSCR loan?+
DSCR stands for Debt Service Coverage Ratio. Instead of verifying your personal income with tax returns or pay stubs, we qualify the loan using the rental income the property produces relative to its monthly debt payments.
Do I need to provide tax returns or W-2s?+
No. This program does not require personal income documentation. Underwriting is based on the subject property’s rental income and your credit profile.
Can I close in an LLC or other entity?+
Yes. Loans are available and close in the entity name, including LLCs for non-owner occupied properties only.
What property types are eligible?+
Single-family, 2-4 unit, condos, townhomes, and small multifamily properties. Vacant properties are permitted on purchase transactions.
How fast can I close?+
Most DSCR transactions close in as few as 14-21 days from a complete file, depending on appraisal turn-times and title.
Where does DSCR.cloud lend?+
Molaven lends in 32 States + D.C.. Availability varies by state — submit your deal and our team will confirm eligibility for your property.