NMLS #312817 70+ lender network
(888) 931-0211
NMLS #312817 DSCR Rental Property Loans
Purchase, refinance, or pull cash out of investment property anywhere you invest. One file, 70+ wholesale DSCR lenders, and fast closings on clean files.
Takes about 60 seconds.
No SSN · No credit pull · No obligation
Why investors switch
No tax returns, W-2s, or pay stubs. The property's rent does the qualifying. Perfect for self-employed investors and complex returns.
Close in your LLC, finance unlimited doors, and keep every deal off your personal DTI. Scale without hitting a bank's ten-property wall.
One file, 70+ wholesale DSCR lenders. We match your deal to the lender whose overlays fit, then present your options for review. We reach out the same business day.
The one number that matters
DSCR, the debt service coverage ratio, is simply the monthly rent divided by the full monthly payment. At 1.0 the property pays for itself. At 1.25+ more of the lender network wants your file. And below break-even, a no-ratio program still gives your deal a path.
Example deal · $2,450 rent ÷ $1,890 payment · Illustration, not a quote
How it works
The eligibility check is instant: no credit pull, no documents, no obligation. It simply tells us enough to price your deal across our lender network when we talk.
Check my eligibility →Deal type, property, credit range, numbers. Sixty seconds, no credit check of any kind.
On a quick call we run your scenario across our wholesale lender network and present rates and payments for your review. You pick; nobody pressures.
Appraisal with a rent schedule, title, done. No income verification means no document circus. Fast closings on clean files.
Deal stories
“First lender walked away on my Tampa duplex two weeks in. Tall Timbers actually got on the phone, walked through what went wrong, and matched the file to a lender whose overlays fit. Closed at 75% LTV. Felt like working with people who'd seen this scenario a hundred times.”
“Bought a 5-bedroom pool home in Four Corners with zero rental history. Most lenders ghosted me. The Tall Timbers team walked me through what Osceola County permits for STR up front, then matched me with a lender that took AirDNA at a 75% factor. First STR in the books.”
“I live in Toronto and own two FL rentals. Getting a third was supposed to be impossible. No SSN, no US credit history. Tall Timbers walked me through Foreign National DSCR, used my Canadian credit reference letter, and closed the canal-front.”
Straight answers
Not with a DSCR loan. Traditional lenders underwrite your personal income; DSCR lenders underwrite the property. If the rent covers the mortgage payment, you qualify, no W-2s, pay stubs, or tax returns required.
Most DSCR programs start at 620, and more of the lender network opens up at 680 and again at 740. If you are below 620, a few months of focused credit work usually gets you there.
Monthly rent divided by the full monthly payment (principal, interest, taxes, insurance, and any HOA). A ratio of 1.0 means the rent exactly covers the payment; most lenders want 1.0–1.25 or better. Below break-even, no-ratio programs still give your deal a path.
Yes, many investors do. DSCR loans are built for LLC vesting, and with most programs closing in an entity does not affect your rate.
Fast closings on clean files. There is no income documentation to verify, so the appraisal with a rent schedule is usually the longest step. You get a real timeline for your file on the first call, not a marketing number.
Yes. Many programs will qualify Airbnb and VRBO properties using either market rent or documented short-term rental income, and we flag the local permitting questions to ask before you write the offer.
Yes. Foreign national DSCR programs exist for exactly this. Many lenders in our network do not require US credit history; a credit reference letter from your home bank often does the job.
No credit pull · No documents · No obligation
We review and reach out the same business day
