Asset Lift Lending

    Qualify on rental income, not tax returns. Scale your rental portfolio with 30-year financing designed exclusively for real estate investors.

    DSCR Rental Loans

    Qualify for a rental property loan based on property cash flow, not personal income. AssetLift Lending's DSCR loans offer 30-year terms, LLC vesting, and no tax return requirements for real estate investors.

    Apply Now Call (929) 639-2284
    Up to 80%
    Loan-to-Value (Purchase)
    Up to 75%
    Loan-to-Value (Cash-Out Refi)
    1.0 (lower available with adjustments)
    Minimum DSCR Ratio
    30-year fixed or 5/6 ARM
    Loan Term
    7.5%
    Interest Rates Starting At

    Overview

    DSCR (Debt Service Coverage Ratio) rental loans represent the most significant innovation in investment property financing in the last decade. They solve a problem that has frustrated rental property investors for years: the disconnect between the income a portfolio generates and the income shown on personal tax returns. Real estate investors, especially those who are self-employed or who aggressively depreciate their properties, often report low taxable income despite holding portfolios worth millions of dollars. Conventional lenders see low reported income and decline the application. DSCR lenders see a cash-flowing property and fund the deal.

    The concept is straightforward. Instead of verifying the borrower's personal income through tax returns and pay stubs, a DSCR lender divides the property's gross rental income by the total monthly debt obligation (principal, interest, taxes, insurance, and HOA). If the resulting ratio meets or exceeds the lender's minimum threshold, typically 1.0 to 1.25, the loan is approved. No W-2s. No 1099s. No tax returns. No debt-to-income ratio calculations. The property qualifies itself.

    AssetLift Lending's DSCR rental loan program offers 30-year fixed and adjustable rate options, loan amounts from $75,000 to $2 million, and the ability to close in the name of an LLC or other business entity. We finance single-family homes, 2-4 unit properties, condos, and townhomes, and there is no limit on the number of properties you can finance with us. Whether you are refinancing a property you just finished rehabbing or purchasing a turnkey rental, our DSCR product is designed to keep your portfolio growing without the documentation headaches of conventional lending.

    For investors who have outgrown the conventional lending box, hit the Fannie Mae property count ceiling, or simply prefer the speed and simplicity of asset-based qualification, DSCR loans from AssetLift Lending provide the most scalable path to building a rental portfolio that generates lasting, tax-advantaged wealth.

    Key Features

    No Personal Income Verification

    We do not require tax returns, W-2s, 1099s, or profit-and-loss statements. Your qualification is based entirely on the subject property's rental income and your credit profile. This is the defining advantage of DSCR lending and the reason it has become the preferred financing tool for full-time real estate investors.

    Close in Your LLC or Entity Name

    Title the property in your LLC, LP, or corporation from day one. Unlike conventional mortgages that require individual vesting, DSCR loans are originated directly in the name of your business entity. This preserves the liability protection you set up your LLC to provide, without the risk of triggering a due-on-sale clause by transferring title after closing.

    No Property Count Limits

    Finance your 5th, 15th, or 50th rental property with the same streamlined process. There is no Fannie Mae-style cap on the number of financed properties. Each property is underwritten independently based on its own cash flow, so scaling your portfolio does not create compounding documentation burdens.

    30-Year Fixed Rate Option

    Lock in a fixed interest rate for the full 30-year term of the loan, providing payment certainty and protection against rising interest rates. Fixed-rate DSCR loans allow you to model long-term cash flow with confidence, knowing your debt service will never increase regardless of market conditions.

    Cash-Out Refinancing Available

    Access the equity in your existing rental properties through cash-out refinances at up to 75% LTV. Use the proceeds to fund new acquisitions, complete renovations on other properties, or pay down higher-cost debt. Cash-out DSCR refinances are one of the most powerful tools for recycling capital within a rental portfolio.

    Interest-Only Payment Option

    Choose an interest-only payment structure for the first 5 to 10 years of the loan to maximize monthly cash flow during the early ownership period. Interest-only payments reduce your monthly obligation, increasing the net income the property generates and improving your return on equity during the years when rental income growth is compounding.

    Eligibility Requirements

    Minimum DSCR Ratio: The property's gross monthly rent divided by the total monthly housing expense (PITIA) must equal or exceed 1.0 for standard pricing. Ratios of 1.25 or higher qualify for the best available rates. Programs for ratios between 0.75 and 0.99 are available with compensating factors such as lower LTV, higher credit score, or additional reserves.
    Minimum Credit Score: A FICO score of 660 is the minimum for program eligibility. Scores of 720 and above qualify for the most competitive rates and highest leverage. Borrowers with scores between 660 and 700 are eligible with modest rate adjustments. The credit review also evaluates for recent bankruptcies, foreclosures, or short sales, which may require additional seasoning.
    Property Condition: The property must be in rentable condition at the time of closing. This means it must be habitable, free of major structural defects, and ready to generate rental income immediately. Properties requiring significant renovation should be financed with a fix-and-flip loan first, then refinanced into a DSCR loan after rehab is complete and the property is stabilized.
    Reserves: Borrowers must hold liquid reserves equal to 3 to 6 months of the total monthly housing payment at the time of closing. Acceptable reserves include bank account balances, brokerage accounts, retirement accounts (valued at 60% to 70%), and documented cryptocurrency holdings. Reserves protect against vacancy and maintenance costs during the early months of ownership.
    Eligible Property Types: Single-family homes, duplexes, triplexes, four-unit properties, warrantable condos, and townhomes qualify under our DSCR program. Properties must be non-owner-occupied. Short-term rental properties (Airbnb, VRBO) may be eligible using projected rental income from a third-party rental analysis or 12 months of documented booking history.

    How It Works

    1

    Application and Property Analysis

    Submit your application online along with the property address, current or projected rent, and your credit authorization. Our team pulls comps, verifies rental income against market data, and calculates the DSCR ratio. You receive a rate quote and term sheet within 24 to 48 hours of application.

    2

    Appraisal and Underwriting

    We order a full appraisal that includes a rental survey to establish the property's fair market rent. The underwriting review covers the property's condition, the borrower's credit profile, and the entity documentation (if closing in an LLC). Because no income verification is required, the underwriting timeline is significantly shorter than conventional loans, typically 5 to 10 business days.

    3

    Conditional Approval and Document Collection

    Once underwriting is complete, you receive a conditional approval with a list of remaining items needed for clear-to-close. Common conditions include proof of insurance, entity formation documents, reserve verification, and a signed lease agreement (for purchase transactions on tenanted properties). Most conditions are satisfied within 2 to 3 business days.

    4

    Closing

    We coordinate with the title company or closing attorney to prepare and execute loan documents. Funds are wired at closing for purchases, or disbursed within 3 business days for refinances after the rescission period (where applicable). The entire process from application to funded loan typically takes 14 to 21 business days.

    Who Is This For?

    BRRRR Strategy Refinance

    After completing a renovation and placing a tenant, refinance out of your short-term hard money or fix-and-flip loan into a 30-year DSCR loan. Recover your renovation capital through a cash-out refinance and redeploy it into the next acquisition. Our DSCR product is purpose-built as the long-term take-out loan in the BRRRR cycle.

    Turnkey Rental Acquisition

    Purchase a stabilized rental property that already has a tenant in place and is generating income. The existing lease provides the rental income documentation needed for DSCR qualification, and the property's cash flow history gives confidence in the underwriting. Close in your LLC name with no income documentation required.

    Portfolio Consolidation

    If you have multiple rental properties financed with short-term or variable-rate loans, consolidate them into individual 30-year DSCR loans at fixed rates. This stabilizes your monthly cash flow, extends your repayment timeline, and eliminates the refinance risk associated with balloon-payment or adjustable-rate products.

    Short-Term Rental Financing

    Finance vacation rentals and short-term rental properties using projected income from platforms like Airbnb and VRBO. We accept third-party rental projections from services like AirDNA or 12 months of documented booking revenue to establish the DSCR ratio. This opens DSCR financing to the growing short-term rental investor market.

    Frequently Asked Questions

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    Apply for DSCR Rental Loans - No Income Verification Financing for Investment Properties