DSCR Investor Loans
Flexible DSCR solutions for investor residential properties, from $100K to $3.5M with no tax returns required.
Qualify on the Property's Cash Flow
We offer DSCR financing for non-owner-occupied residential investment properties nationwide. Qualification is driven by the property's debt service coverage ratio — its rental income versus its payment — not your personal tax returns.
We offer DSCR loans for the following property types:
Vacant properties are allowed, and short-term rentals (Airbnb, VRBO, etc.) are eligible.
Credit events: no short sale, deed-in-lieu, or modification in the last 24 months; no bankruptcy or foreclosure in the last 36 months.
Available in all states except CA, MI, MN, ND, NV, SD, VA, and VT. Submission requires only a loan application and credit authorization.
How It Works
- 1
Get Qualified
- 2
Consultation
- 3
Documents
- 4
Review
- 5
Term Sheet
- 6
Underwriting
- 7
Conditions
- 8
Closing
The Denali Standard
Every transaction receives individual review and hands-on attention from the Denali team.
Common Questions
What is a DSCR loan?
A DSCR loan qualifies on the property's debt service coverage ratio — its rental income divided by its debt payment — instead of your personal income. This program allows a minimum DSCR of 0.85x, so even lightly cash-flowing properties can qualify.
Do I need to provide tax returns?
No. There are no tax returns required. Submission is a loan application and a credit authorization, which keeps the file moving quickly.
Can I finance a short-term rental or a vacant property?
Yes. Short-term rentals (Airbnb, VRBO, etc.) are eligible, and vacant properties are allowed — useful between tenants or right after a renovation.
What are the credit and LTV requirements?
Minimum 620 credit score. Maximum LTV is 80% on loans up to $1M, 75% from $1M to $2M, and 65% from $2M to $3.5M.
Explore other programs
Reach out to us to learn more!