Invest Smarter.
Qualify on Cash Flow.
DSCR loans let real estate investors qualify based on rental income,
not personal income tax returns.
Fast closings, flexible guidelines, and no W-2s required.
No W-2s or Tax Returns Required
Qualify Based on Rental Income1
LLC & Corp Friendly2
*Subject to credit approval. Rates and terms vary by credit, property cash flow, loan amount, and market conditions. Offers are from lenders in our network and may not include all institutions.
1Minimum DSCR ratio requirements apply; qualifying rental income based on lease agreements or market rent appraisal.
2Entity vesting available for eligible borrowers; subject to underwriting and lender requirements.
Why Choose a DSCR Loan?
Purpose-built for real estate investors who want to grow their portfolio without the hassle of traditional income documentation.
No Tax Returns Required
Qualify using the property's rental income, not personal income tax returns. Ideal for self-employed investors and business owners.
LLC & Entity Vesting
Hold properties in your LLC, S-Corp, or other entity for asset protection and tax planning flexibility — a key advantage over conventional loans.
Scale Your Portfolio
No limit on the number of financed properties. DSCR loans are designed specifically for investors looking to grow.
Short-Term Rentals Eligible
Qualify Airbnb and VRBO properties using market rent or actual rental income. Expanding your strategy has never been easier.
Fast Closings
Streamlined underwriting focused on the property — not your personal finances — means faster approvals and competitive timelines.
Interest-Only Options
Maximize monthly cash flow with interest-only loan structures, available on select DSCR programs for qualifying properties.
Who Can Qualify?
DSCR loans are available to individual investors, LLCs, and other entities — no employment verification needed.
Who It's For
Real estate investors (new & experienced)
Self-employed borrowers
LLC's, S-Corps & other entities
Foreign nationals (select programs)
Basic Requirements
DSCR ratio of 1.0 or greater (some programs allow below 1.0)
Minimum credit score (typically 620+)
Down payment (typically 20–25%)
Investment or non-owner-occupied property
*Not all borrowers will qualify. Minimum DSCR, credit score, and down payment requirements
vary by loan program and lender. Subject to credit and property approval.
How It Works
Four streamlined steps from application to keys — no income tax returns, no employment verification, no hassle.
Share Your Property Details
Tell us about the investment property — address, estimated rent, and purchase price or current value.
We Calculate Your DSCR
Our team reviews the property's cash flow to determine your DSCR ratio and identify the best loan programs for you.
Fast Underwriting
We verify the property, order an appraisal, and finalize your loan — no W-2s or personal income documents needed.
Close & Collect Rent
Sign your final documents, close on your investment property, and start building cash flow.
DSCR Explained
The Debt Service Coverage Ratio measures whether a property's rental income covers its mortgage payments. Lenders typically look for a DSCR of 1.0 or higher.
*PITIA = Principal, Interest, Taxes, Insurance & Association Dues. A ratio of 1.25 means the property earns 25% more than it costs to service — a strong signal for lenders.
What Our Investors Say
Real borrowers. Real results. Here's what investors say about working with Barrett Financial.
Arvind
"Excellent Team, cares about getting the job done and keeping the borrower's best interests in mind. Great for Investors and Home-Buyers alike, and glad to have them as my go-to for mortgages."
Samuel
"Barrett Financial Group helped me find a great option for my loan... I highly recommend them for your home loan needs! Thanks BFG!"
Tim
"Barrett Financial Group was able to expeditiously handle my loan, lower my monthly payment and gave me an amazing deal on closing costs. They got it done fast. Thank you."
Heidi
"This was by far the best experience I have had with a lender! Quick, friendly, transparent and most of all very educated on the entire process and options one has. I will use them going forward for any purchases."
*Testimonials reflect individual experiences. Results vary and are not guaranteed.
Loan approval, rates, and terms depend on credit, property cash flow, and program guidelines.
Ready to Grow Your Portfolio?
Get started with a DSCR loan from Barrett Financial — no W-2s, no tax returns, no problem.
*Pre-approval, not a commitment to lend. Subject to credit and property approval.
Barrett Financial Group, L.L.C
NMLS #181106
2701 East Insight Way, Suite 150
Chandler, AZ 85286
Barrett Financial Group, L.L.C. | NMLS #181106 | 2701 East Insight Way, Suite 150, Chandler, AZ 85286 | AL 22977 | AK AK181106 | AZ 0904774 | AR 124815 | 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 | CO | CT ML-181106 | DE 029971 | DC MLB181106 | FL MLD1880 | GA 181106 | HI 181106 | ID 2080181106 | IL MB.6761630 view reinvestment notice barrettfinancial.com/illinois-reinvestment | IN 181106 | IA 2021-0157 | KS MC.0025726 | KY MB757252 & MC763707 | LA | ME 181106 | MD 181106 | MA MC181106 & MC181106 | MI fl0022342 | MN MN-MO-181106 | MS 181106 | MO 181106 | MT 181106 | NE | NV 5091 | NH 24338-MBR | NJ | NM | NC B-203722 | ND MB103863 | OH RM.804600.000 | OK ML013880 | OR | PA 92105 | RI 20224347LB | SC MLS – 181106 | SD ML.05340 | TN 204577 | TX view complaint policy at barrettfinancial.com/texas-complaint | UT 11368611 | VT LL-181106 & MB-181106 | VA MC-7357 & MC-7357 | WA MB-181106 | WV MB-181106 & ML-181106 | WI 181106BA & 181106BR | WY 4211 | Disclosures: Equal Housing Opportunity | Equal Housing Lender | This is not a commitment to lend. All loans are subject to credit approval. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106 Barrett Financial Group, L.L.C. is not affiliated with or endorsed by any government entity or agency. DSCR loans are for investment properties only and are not available for owner-occupied residences.
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