DSCR Loans
1/15/2025
8 min read
DSCR Loans: The 2025 Investor Playbook
Everything you need to know about qualifying for DSCR loans in 2025, including new guidelines and market opportunities.
Michael Chen
Read MoreAI-PoweredBusiness Purpose
DSCR & Investor LoansBuilt for Scale
Qualify on cash flow, not tax returns. From single-family DSCR to portfolio blanket loans, we finance real estate investors with AI-powered speed and precision.
Close in 7 Days
Up to 80% LTV
No Tax Returns
$2.1B+
Funded
15,000+
Properties
7 Days
Avg Close
4.8/5
Reviews
"Best DSCR lender for serious investors"
Investor Success Stories
Hear directly from real estate investors about their experience with Steve and LoanDaddy.ai
Michael Chen • 2:15
"Steve helped me close 8 DSCR loans in my first year. His guidance was invaluable."
Michael Chen
Real Estate Investor
Phoenix, AZ
Deal Type
DSCR Portfolio
Total Funded
$3.2M Portfolio
5.0/5 Rating
Ready for Your Success Story?
Get the same expert guidance and financing that made Michael Chen's deals possible.
2:15
Michael Chen
DSCR Portfolio
3:42
Sarah Rodriguez
Bridge to DSCR
4:18
David Kim
Portfolio Expansion
2:58
Jennifer Lopez
STR DSCR
Michael C.•Phoenix, AZ•"Closed 8 DSCR loans in first year"
Sarah R.•Austin, TX•"Steve saved my time-sensitive deal"
David K.•Los Angeles, CA•"Scaled from 2 to 25 properties in 3 years"
Jennifer L.•Miami, FL•"AI platform + personal touch = perfection"
Robert M.•Dallas, TX•"Best DSCR rates and fastest closing"
Michael C.•Phoenix, AZ•"Closed 8 DSCR loans in first year"
Sarah R.•Austin, TX•"Steve saved my time-sensitive deal"
David K.•Los Angeles, CA•"Scaled from 2 to 25 properties in 3 years"
Jennifer L.•Miami, FL•"AI platform + personal touch = perfection"
Robert M.•Dallas, TX•"Best DSCR rates and fastest closing"
Private Lender
Business Purpose
A+ Rating
Customer Reviews
Nationwide
Nationwide Lending
AI-Powered
Instant Decisions
Trusted by industry leaders
Freddie Mac
Fannie Mae
HUD
FHFA
NMLS
$2.1B+
Total Funded
7 Days
Average Close
15,000+
Properties Financed
98.2%
Customer Satisfaction
Loan Products Built for Investors
From DSCR rentals to fix & flip financing, we have the right capital for your strategy. All loans are business-purpose only.
Most Popular
DSCR Loans
Cash flow-based financing
Qualify on rental income, not tax returns. Perfect for buy-and-hold investors.
- Up to 80% LTV
- No tax returns
- 30-year terms
- IO options
Fix & Flip
Acquisition + renovation
Fund your flip with draws for renovations and fast closing speeds.
- 90% LTC
- 7-day close
- Interest on drawn
- In-house control
Bridge Loans
Quick acquisition capital
Move fast on time-sensitive deals, then refinance to permanent financing.
- 75% LTV
- Minimal docs
- 6-18 months
- Quick close
Construction
Ground-up development
Build from the ground up with experienced contractor and draw management.
- 85% LTC
- Draw inspections
- 24 months
- Experienced builders
Portfolio Loans
Multiple properties, one payment
Cross-collateralize your portfolio for better leverage and simplified payments.
- Blanket structure
- Release options
- Portfolio DSCR
- Experienced only
Calculate Your Deal in Seconds
Use our investor-focused calculators to analyze deals, estimate payments, and determine eligibility.
DSCR Calculator
Quick qualification check
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Your DSCR
1.41
Strong
Excellent DSCR! You should qualify for our best rates and terms.
Find DSCR Loans in Your Market
Licensed in all 50 states with local market expertise and competitive rates.
Real Deals, Real Results
See how investors across the country are building wealth with our loan products.
Phoenix, AZ
Phoenix Duplex DSCR Success
$420K
Purchase Price
1.33
DSCR Ratio
75%
LTV
$3,600
Monthly Rent
Outcome: Stabilized cash flow, planning cash-out refinance at month 18
View Full Case StudyLatest Investor Intelligence
Market insights, strategy guides, and financing tips from our AI-powered research team.
Short-Term Rentals
1/12/2025
6 min read
Underwriting STR Income: Platform vs Bank Statements
Learn how lenders verify short-term rental income and what documentation you need for DSCR qualification.
Sarah Rodriguez
Read More
Portfolio Strategy
1/10/2025
10 min read
Portfolio Loans vs Individual DSCR: Which Strategy Wins?
Compare blanket loans against individual property financing for multi-asset investors.
David Kim
Read MoreTrusted by Thousands
A+ Rated
BBB Accredited
15,000+
Satisfied Investors
7-Day
Average Close
4.9/5
Customer Rating
Join 15,000+ Successful Investors
Get expert DSCR financing with Steve's proven track record: $2.1B+ funded, 4.9/5 rating, 7-day average closings.
⚡ Instant pre-qualification • 🛡️ Secure application • 📞 Direct expert support