DSCR loans
Qualify on the property, not your paperwork.
DSCR loans are easier to qualify for. No tax returns, no W2s, no paystubs. If you need to close quickly and with certainty, a DSCR loan is for you.
Why DSCR
Simple to qualify. Built to close.
No tax returns
Your qualification doesn't depend on what your tax returns show.
No W2s or paystubs
Skip the pile of income documents. The property's rent does the talking.
Easier to qualify
Ideal for self-employed borrowers and investors who are turned down by traditional lenders.
Close quickly, with certainty
Less paperwork means fewer delays, so you can move fast and compete on the deals you want.
How it works
The property pays for itself.
DSCR stands for debt service coverage ratio. Rather than reviewing your personal income, the lender looks at whether the rental income from the property covers its mortgage payment. With 150 lenders to choose from, I match you with the DSCR program that fits your deal.
DSCR loan questions
What is a DSCR loan?
DSCR stands for debt service coverage ratio. Instead of reviewing your personal income, the lender looks at whether the property's rental income covers its mortgage payment. If the property can pay for itself, it can qualify.
Do I need tax returns, W2s or paystubs?
No. DSCR loans do not require tax returns, W2s or paystubs. That makes them a strong fit for self-employed borrowers, business owners and investors whose tax returns don't reflect their true cash flow.
Why are DSCR loans faster and more certain to close?
With no personal income documents to collect, verify and re-verify, there is far less paperwork and fewer places for a file to stall. That means a quicker path to closing and fewer last-minute surprises.
Can I use a DSCR loan for multi-family properties?
Yes. Sky offers residential and multi-family loan programs, including DSCR options, through a network of 150 lenders.
Ready to close with certainty?
Tell me about your property and I'll get back to you within one business day.