Investing in real estate is one of the most effective ways to build wealth, but securing financing for rental properties can be challenging—especially if you’re self-employed or have non-traditional income. Looking to grow your real estate portfolio or fund your next investment property? Our DSCR (Debt Service Coverage Ratio) and Investment Loan options are designed specifically for real estate investors who want flexible, income-based financing without the hurdles of traditional income verification.
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors, focusing on the property’s rental income rather than personal income verification.
Unlike conventional loans, DSCR loans do not require tax returns, W-2s, or pay stubs to qualify. Instead, approval is based on the property’s ability to generate sufficient rental income to cover the mortgage. This makes DSCR loans ideal for experienced investors and those looking to grow their real estate portfolio.
Fix & Flip loans are short-term financing solutions made for real estate investors who buy properties, renovate them, and quickly resell for profit. These loans offer fast approvals, flexible terms, and funding based on the property’s future value, not just its current condition. Ideal for competitive markets, Fix & Flip loans empower you to act fast and increase ROI through strategic upgrades.
Ground Up Construction loans are perfect for investors and builders starting new residential or multifamily construction projects. These loans provide funding in stages—aligned with construction progress—and are tailored for those with a clear build plan and timeline. With competitive rates and no personal income requirements, you can focus on building while the property itself helps secure the financing.
Delayed Financing allows investors to quickly pull equity out of a property they’ve just purchased with cash. Instead of waiting the typical six-month seasoning period, this loan option lets you recapture your upfront investment almost immediately—freeing up capital for your next deal. It’s a strategic solution for investors who want to stay liquid and continue scaling their portfolio.
DSCR is the ratio of the property’s rental income to its mortgage payment. A DSCR of 1.0 or higher is typically required.
Yes! DSCR (Debt Service Coverage Ratio) loans are often a great fit for financing short-term rental properties, like vacation homes listed on Airbnb or Vrbo. Since DSCR loans focus on the income-generating potential of the property rather than your personal income, they’re ideal for investors looking to expand their portfolio with short-term or long-term rentals. At GWFR Lending, we’ll help you structure a DSCR loan that aligns with your rental strategy and cash flow goals.
DSCR loans can be used to finance a wide range of investment properties, including single-family homes, condos, townhomes, and 2–4 unit multifamily properties. Some lenders may even consider mixed-use or commercial residential properties. The key factor is that the property must generate rental income that can support the loan payments. GWFR Lending will work with you to evaluate the property’s income potential and ensure it meets DSCR loan requirements.
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