Our DSCR Loans for 1-4 Unit Investment Properties program provides specialized financing based on cash flow rather than personal income.
DSCR Loans for 1-4 Unit Investment Properties
Finance rental properties based on cash flow without personal income verification. Capital structured around rental performance rather than personal income.
Program Overview: DSCR Loans for 1-4 Unit Investment Properties
These specialized loans are structured for investors acquiring or refinancing 1-4 unit rental properties. Qualification is based on the property’s rental income, not the borrower’s W-2 or tax returns. This program is ideal for investors with complex income structures or those building rental portfolios without traditional employment verification — a true no income verification mortgage built for real estate investors. Learn more about how DSCR works.
All scenarios are reviewed through the FAAS Capital Desk framework.
Best Fit For
Investors with complex income structures
Self-employed operators
Portfolio scalers avoiding income verification
Business-purpose transactions only
How the Program Works
Cash Flow Underwriting
Qualification based on property rental income, not personal W-2 or tax returns.
1-4 Unit Coverage
Structured for single-family, duplex, triplex, and fourplex investment properties.
Purchase or Refinance
Flexible capital for acquisition or cash-out refinance scenarios.
DSCR Loan Requirements
Typical qualification parameters — your exact terms depend on property, credit, and DSCR ratio.
Example Deal Structure
Example only. Actual terms depend on property, market, credit profile, and lender guidelines.
No Personal Income Docs Required
FAAS Funding vs. Traditional Bank vs. Hard Money
Why investors choose FAAS Funding for DSCR loans.
| Factor | FAAS Funding | Traditional Bank | Hard Money |
|---|---|---|---|
| Income Verification | Rental income only | W-2 + tax returns required | Asset-based, varies |
| Typical Rate | 6.5% – 9.5% | 6% – 8% (if approved) | 10% – 15%+ |
| Time to Close | 14 – 21 days | 45 – 90 days | 7 – 14 days |
| LLC / Entity OK | ✓ Yes | Rarely | ✓ Yes |
| Loan Term | 30-year fixed | 30-year fixed | 6 – 24 months |
| Multiple Properties | ✓ No limit | Typically capped at 4–10 | Varies by lender |
Ready to Move Forward?
Submit your investment scenario and receive structured terms.
Check Your Funding EligibilityAll financing is subject to underwriting approval and final terms. Business-purpose only.
Explore our deeper guides: What is a DSCR Loan? | Pillar 2: Requirements
Specialized Comparisons: DSCR vs. Conventional | STR Airbnb Loans
Leverage Strategy: Investors prioritizing equity strength over maximum LTV may want to review our conservative leverage strategy as an alternative structure.