DSCR Loans For Real Estate Investors

    Need to purchase or refinance an investment property?
    No income verification, no pay stubs, no W-2s, and no tax returns required.

    Are you looking for a DSCR Loan for a Rental Property? *

    We keep your information private, safe and secure.

    No login or SSN required. This will NOT affect your credit.

    DSCR Loan Highlights

    • No personal or business income documentation required
    • No tax returns needed to qualify
    • Qualification based on property cash flow, not personal income
    • Available for both purchase and refinance transactions
    • Flexible underwriting and qualification options
    • Fast closings with personal guidance from start to finish
    • Financing available up to 80% LTV
    • Long-term and short-term rental properties (Airbnb / VRBO)
    • Close in an LLC or other business entity
    • First-time investors welcome
    Copyright © 2026 American Bay Financial. All Rights Reserved|Privacy Policy|Terms & Conditions
    Equal Housing OpportunityNMLS ID #2711575 | Equal Housing Opportunity

    This is not a commitment to lend. Loan programs, rates, and terms are subject to change without notice and are subject to credit and property approval.