DSCR Loans in
37 States— Qualify
on performance of the Asset
Investor Financing DSCR loans let your property's income do the qualifying. Tyler is an active real estate investor — he knows exactly what investors need to close deals.
✦ FHA · Conventional · USDA
✦ Veteran-Owned Business
✦ Home Loans Kansas City
✦ Refinance Kansas City
✦ $0 Down VA Loans
✦ Pre-Approved in Minutes
✦ VA Loans Kansas City
✦ DSCR Investor Loans
✦ Mortgage Broker Kansas City
✦ FHA · Conventional · USDA ✦ Veteran-Owned Business ✦ Home Loans Kansas City ✦ Refinance Kansas City ✦ $0 Down VA Loans ✦ Pre-Approved in Minutes ✦ VA Loans Kansas City ✦ DSCR Investor Loans ✦ Mortgage Broker Kansas City
What Is DSCR?Let the Property
Qualify Itself
DSCR stands for Debt Service Coverage Ratio — a metric comparing a property's rental income to its mortgage payment. Instead of qualifying on your personal income, lenders evaluate whether the property can "service its own debt."
This makes DSCR loans ideal for self-employed investors, high-net-worth borrowers with complex tax situations, and anyone building a rental portfolio where traditional income documentation creates obstacles.
The DSCR FormulaMonthly Rent ÷ Monthly PITIA
Most lenders require a DSCR of 1.0 or higher (rent ≥ mortgage payment)
No Personal Income Verification
No W-2s, no tax returns, no pay stubs. Qualification is based on the property's income potential.
Unlimited Properties
Scale your portfolio without hitting conventional loan limits. No cap on properties financed.
LLC Vesting Available
Take title in your LLC or other business entity for asset protection and tax structuring.
Fast Closings
Simpler documentation means a faster timeline from application to closing — so you don't lose deals.
Short-Term Rental Eligible
Use Airbnb/VRBO income projections on eligible properties. We work with STR-friendly lenders.
EligibilityDSCR Loan
Requirements
Typical qualification criteria for DSCR loans. Requirements vary by lender — Tyler shops multiple options.
Minimum credit score of 620–680 (varies by lender)
DSCR of 1.0 or higher (rent ≥ monthly mortgage)
Some options we have allow under 1.0 DSCR ratio!
Property must be 1–8 unit residential investment
Must not be the borrower's primary residence
Generally, no employment or income documentation required
LLC or personal vesting accepted
Tyler Invests Himself
A Broker Who's Been On Your Side
Most loan officers have never personally invested in real estate. Tyler has. He understands what investors need — speed, flexibility, and a lender who speaks your language.
Whether it's your first investment property or you're adding to an existing portfolio in Kansas City, we'll structure the right deal for your goals.
Ready to Get Pre-Approved?
Kansas City's veteran-owned mortgage broker — making home financing simple, clear, and stress-free since day one.