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Purchase or Refinance Loans
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LWK Mortgage
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Available for Primary Residences, 2nd Homes, and investment properties
Competitive Rates
Same Day Income & Credit Approval
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What is the process for financing an investment property with a DSCR loan?
Financing an investment property with a Debt Service Coverage Ratio (DSCR) loan is different from traditional home loans. Instead of verifying your income or employment, DSCR loans focus on how well the property’s rental income covers the loan payment.
There’s no need for tax returns or pay stubs — approval is based on the property’s cash flow and its ability to cover monthly debt.
At LWK Mortgage, we walk you through every step of the process to help you secure the right DSCR loan for your rental or short-term investment property.
DSCR Loan Eligibility Checklist:
-Property must generate rental income (long-term or short-term)
-Minimum DSCR (usually 1.00 or higher — rent must cover the mortgage)
-20%–25% down payment (varies by lender)
At LWK Mortgage, we evaluate your deal and show you exactly how to structure your financing — so you can close quickly and scale your portfolio.
Advantages of a DSCR Loan:
DSCR loans are designed for real estate investors — making it easier to qualify without income verification. Here are a few key benefits:
-No personal income or employment needed
-Close in an LLC or business name
-Use Airbnb or long-term rental income to qualify
-Faster closings with less documentation
-Perfect for investors with multiple properties
Whether you’re buying your first rental or scaling your portfolio, LWK Mortgage helps you get funded without the red tape.
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No advertisement or solicitation from LWK Mortgage is meant to be a mortgage brokering activity or mortgage lending activity. All brokering or lending activities can only be completed by a licensed loan originator. To see if your loan officer is licensed in your state, please go to http://www.nmlsconsumeraccess.org/
