Investment Property Loans

Based on

Rental Income,

Not Your Income.

DSCR loans allow real estate investors to qualify based on the property's cash flow.

No personal income docs, no tax returns.

  • Qualify Based on Rental Income Only

  • No Personal Income Needed to Qualify

  • Interest Only Options Available

  • Fund Into a Corporation, LLC or Trust

  • Options for short-term and long-term rentals

  • Options for First-time investors

  • Loan Amounts up to $3 Million

  • Min Credit Score 620

What is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan qualifies borrowers based on a property's rental income relative to its debt obligations — not the borrower’s personal income.

No Income Verification

No W-2s, tax returns, or pay stubs required.

Unlimited Properties

Scale your portfolio with no cap on financed properties.

Fast Closing

Streamlined process means closing in as few as 21 days.

Multiple Property Types

Single-family, multi-family, condos, townhomes, and more.

Competitive Rates

Attractive rates designed for investment properties.

LLC & Corp Vesting

Close in your entity name for asset protection.

Flexible options for every stage of your investment journey.

Purchase

Acquire new investment properties with rental income-based qualification.

• Up to 80% LTV

• Min 1.0 DSCR

• 620+ Credit Score

Rate & Term Refinance

Lower your rate or adjust terms on existing investment properties.

• Up to 80% LTV

• Min 1.0 DSCR

• 620+ Credit Score

Cash-Out Refinance

Tap into your equity to fund your next deal or renovation.

• Up to 75% LTV

• Min 1.0 DSCR

• 620+ Credit Score

From application to close in these simple steps.

Apply

Submit a quick application with your property details.

Appraisal/Rent Survy

The property is appraised and a rent survey is completed.

Underwrite

The property's rental income and DSCR ratio is evluated for approval.

Approve

Get a clear-to-close with minimal conditions.

Close

Receive your funding and start earning returns.

Get Your Free Quote

Fill out the form below and a DSCR specialist will reach out.

We will never sell or share your information.

Real Estate Investment Experience?

Purchasing, refinancing, or cashing out?

Property Type*
Is there a Permitted ADU*
Are the Rents Short Term (Airbnb), Long Term or Not Rented*
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Is this part of a 1031 Exchange*
Credit Score*
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Kurt Kessler

NMLS# 365130

I am a committed educator and advocate for the families, investors and partners that I serve. I owe my best, always. I love helping my clients find the mortgage option that best fits their needs, keeping in mind their short and long term goals.

With over 30 years of real estate experience, I have been fortunate to have the opportunity to work with thousands of homeowners, assisting them with their financing needs. I feel that my longevity in the field allows me to bring a wealth of experience, knowledge, and know-how to my clients.

I look forward to guiding you on the path to your next real estate transaction.

This is not a commitment to lend. All loans are subject to credit approval. This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Other limitations may apply. No Tax Return loans products require other forms of income documentation and asset verification in lieu of tax returns. Not all applicants will qualify. Some products we offer may have a higher interest rate, more points or more fees than other products requiring more extensive or different documentation. Minimum FICO, reserve, and other requirements apply.

Kurt Raymond Kessler NMLS #365130 | Barrett Financial Group, L.L.C. NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | CA 60DBO-46052 & 41DBO-148702. Licensed by Dept. of Financial Protection & Innovation under the California Residential Mortgage Lending Act. Loans made or arranged pursuant to a California Financing Law License