DSCR Mortgage Loans for Real Estate Investors Nationwide

Qualify Based on Property Cash Flow — Not Personal Income

Creare Capital Lending offers nationwide DSCR mortgage programs designed for real estate investors who want fast, flexible, and no-income-verification financing. Whether you’re self-employed, a business owner, or expanding your real estate portfolio, our Debt Service Coverage Ratio (DSCR) Loans make it easy to qualify based on the rental income of your property — not your personal income or tax returns.



With competitive rates starting at 6.50% and up to 85% LTV, Creare Capital Lending simplifies investment property financing so you can grow your real estate business without the red tape of traditional mortgages.

DSCR Loan Program Highlights

Loan Amounts: $75K – $5M+

Rates Starting at: 6%

Max LTV: Up to 85%

Property Types: Single-Family, Condos, Townhomes, Multifamily, Mixed-Use, Commercial, Office, Retail, Industrial & more!

Loan Terms: 30-Year Fixed, 5/1 ARM, Interest-Only Options

No Prepayment Penalty Options

Blanket Loans Available

Why Real Estate Investors Choose Creare Capital DSCR Loans

Fast Closings – Approvals and closings in as little as 21–25 days

No Income Verification – Qualify based on property cash flow, not personal income.

Flexible Loan Terms – Choose from 30-Year Fixed, ARM, or Interest-Only options.

High Leverage – Finance up to 85% LTV with no PMI.

Nationwide Programs – Available for investors in all 50 states.

Foreign Nationals Eligible – Perfect for international investors entering the U.S. market.

What Is a DSCR Mortgage Loan?

   The DSCR (Debt Service Coverage Ratio) / No-Doc Loan Program is perfect for real estate investors who want to qualify based on the property’s income potential rather than personal financial documents. This loan program evaluates the cash flow generated by your investment property—not your W2s, tax returns, or employment history. Whether you’re refinancing a rental property or purchasing a new one, DSCR mortgages offer speed, flexibility, and higher leverage for experienced and first-time investors alike.

 

   In short, if your rental income covers your mortgage payment, you can qualify for a DSCR Loan through Creare Capital Lending.


Who Qualifies for a DSCR Mortgage?

You may qualify for a DSCR loan if:

  • You are self-employed or have variable income.
  • You own or are purchasing rental income-producing properties.
  • You have a credit score above 600 and cash reserves.
  • You’re looking for fast approvals without full documentation.


   Instead of verifying income through tax returns or pay stubs, Creare Capital Lending qualifies you based on your Debt Service Coverage Ratio (DSCR) — the property’s ability to generate enough income to cover the monthly mortgage payment.

Benefits of DSCR Mortgage Loans

  • Qualify with no income documentation or tax returns
  • Fast and simplified underwriting
  • Ideal for self-employed borrowers and real estate entrepreneurs
  • Expand your investment portfolio quickly
  • Available for foreign nationals and U.S.-based investors
  • Higher leverage and flexible repayment options

Why Work with Creare Capital Lending

   As a leading nationwide private money and NON-QM lender, Creare Capital Lending specializes in providing asset-based loans built for today’s real estate investors. Our team focuses on the deal value and property cash flow, not your paperwork.

We offer a seamless process, personalized loan strategies, and the confidence of working with a trusted lender that understands real estate investing.


Get Pre-Approved for a DSCR Loan Today


   Take the next step toward building your real estate portfolio. Apply online and get pre-approved in minutes — no income verification, no tax returns, no hassle.

APPLY NOW

DSCR FAQs

   If you’re exploring DSCR mortgage loans for your investment property, you likely have questions about how they work, who qualifies, and why they’re one of the most popular no-income-verification loan options for real estate investors today. Below, we’ve answered the most common questions about Creare Capital Lending’s DSCR loan programs, including qualification requirements, closing timelines, property types, and the benefits of using rental income to qualify instead of traditional income documentation.

  • What does DSCR mean?

    DSCR stands for Debt Service Coverage Ratio, which measures the property’s rental income compared to its mortgage payments.

  • What credit score do I need for a DSCR loan?

    Typically, a credit score of 600+ is required to qualify.

  • Can foreign nationals apply for a DSCR mortgage?

    Yes, Creare Capital Lending offers DSCR loans for both U.S. investors and foreign nationals.

  • How fast can I close a DSCR mortgage loan?

    Most DSCR loans close in 2–3 weeks, depending on property and documentation.

  • Can I use a DSCR loan for short-term rentals or Airbnbs?

    Yes, our DSCR programs can be used for short-term and long-term rental properties.