LOAN PROGRAMS

Qualify on the Property. Not Your Tax Returns.

DSCR rental programs for 1–4 unit properties, condos, and short-term rentals up to $3M, with LTV up to 85% and no tax returns required.

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Three DSCR & Rental Loans

Commercial Lease Advisor Meeting Client
MCP DSCR Rental Loan | 1–4 Unit

DSCR rental financing for 1–4 unit properties. Qualify on cash flow, not personal income.

UP TO $3M · UP TO 85% LTV · NO TAX RETURNS
Architect Developer Reviewing Scale Model
MCP DSCR Rental Loan | 5–10 Unit

DSCR financing for 5–10 unit rental properties, structured for portfolio investors.

NO TAX RETURNS · NO EMPLOYMENT VERIFICATION
Diverse Property Investment Strategy Meeting
MCP Income Verified Rental Loan

Long-term rental financing for investors with documented income across SFR, 2–4 unit, and small multifamily.

FULL INCOME VERIFICATION · MAXIMUM LEVERAGE
Program Highlights

Scalable Financing for Buy-and-Hold

Cash-flow underwriting means your portfolio can grow without your W-2 holding it back.

No Tax Returns

Qualification is based on the property’s cash flow, not your personal income.

Short-Term Rentals Welcome

Short-term-rental income counts; condos and vacation rentals are eligible.

Built to Repeat

A clean, scalable structure you can use across every acquisition.

Up to 85% LTV

Keep more capital deployed across your portfolio instead of tied up in equity.

See your options without any commitment.

$75K–$3M

Maximum DSCR rental loan amount

6.00%

Rates from

85%

Loan-to-value

No income docs

Personal income verification
Insights & Guides

Reports Worth Reading Before Your Next Rental Loan

FREE GUIDE

The DSCR Calculation Worksheet

Rent, taxes, insurance, and debt service: see your ratio before you apply.

FREE GUIDE

Buy-and-Hold Scaling Guide

How investors add doors without personal income documentation.

COMPLIMENTARY ASSESSMENT

Rental Qualification Check

Nine questions to see what your property may qualify for on cash flow alone.

FREE GUIDE

Short-Term Rental Underwriting Brief

How short-term-rental revenue is treated for condos and vacation rentals.

How It Works

From First Call to Funded

Direct underwriting, clear terms, and a closing path built for speed.

01

Send the Deal

A few questions online, or call your Account Executive directly. No hard credit pull.

02

Underwriting

Our team reviews the file in-house, with no outsourced underwriting or bank committee.

03

Term Sheet

Clear, straightforward terms with no surprises at the closing table.

04

Funded

We coordinate closing, manage rehab draws, and get you funded on schedule.

See your options without any commitment.

Couldn't Find Your Answer?
Ask Our Deal Desk.

Program Questions

Frequently Asked Questions

No. DSCR loans qualify on the property’s cash flow, so personal tax returns are not required.

Up to 85% loan-to-value on qualifying DSCR rental files.

Yes. Condos and short-term rentals are eligible, with property revenue considered during underwriting.

DSCR rental loans go up to $3M across 1–4 unit properties and condos.

Other Programs

One Lender, Every Deal Type

Fix & Flip

$75K–$2M ($3M in CA) · 95% LTC

Mature Couple Signing Property Contract
Bridge Loan

$100K–$75M · up to 75% LTV

Female Property Development Consultant Blueprints Office
Construction Loan

$75K–$75M · flexible draws

Older Latina Real Estate Advisor Portrait
Multifamily

$100K–$75M · up to 85% LTV

Ready When You Are

Qualify on Cash Flow. Scale Without Limits.

No tax returns and no employment verification. Send the property and we will run the numbers.

Get in touch with us

We respond within 24 hours

Submit your deal details today, and an underwriting specialist will contact you with next steps.

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4.8  ★★★★★