Investor-Focused Financing for Real Estate Growth
FAAS Funding is an investor-focused financing platform helping real estate investors access DSCR loans and business-purpose capital solutions for rental properties, portfolio growth, and strategic acquisitions. We help investors evaluate deal structure, qualification scenarios, and financing options designed around property cash flow rather than traditional personal income documentation.
We support investors seeking financing for 1–4 unit rentals, short-term rentals, and other income-producing investment properties. Our goal is to make the financing process clearer, faster, and more aligned with how real estate investors actually grow.
Loans are for business-purpose and investment properties only and are subject to underwriting guidelines and investor approval.
Pre-Qualify for DSCR Financing Frequently Asked Questions About DSCR Loans What is a DSCR loan? A DSCR (Debt Service Coverage Ratio) loan is an investment property financing product that qualifies borrowers based on the rental income the property generates rather than personal income. This allows investors to finance properties without providing tax returns, W-2s, or proof of employment. How is DSCR calculated? DSCR is calculated by dividing the property’s gross monthly rental income by its total monthly debt obligations (PITIA). A DSCR of 1.25 means the property generates 25% more income than its debt payments. Most lenders require a minimum DSCR between 1.0 and 1.25. What credit score is required for a DSCR loan? Most DSCR loan programs require a minimum credit score of 620 to 680. Higher credit scores typically qualify for better rates and terms. Some programs may accept scores as low as 620 with compensating factors such as a higher down payment or stronger DSCR ratio. Can DSCR loans be used for Airbnb or short-term rentals? Yes. Many DSCR lenders offer programs specifically designed for short-term rental properties including Airbnb and vacation rentals. Income verification for STR properties typically uses projected rental income from platforms like AirDNA or actual booking history. How fast can DSCR loans close? DSCR loans can close in as little as 10 to 21 days depending on the lender and deal complexity. Because there is no personal income documentation required, the underwriting process is significantly faster than conventional mortgage financing. →