Ivan Hendren
Mortgage Broker · NMLS #152318
Grow your rental portfolio without tax returns or income verification. Qualify based on property cash flow in the most active rental markets in the country.
DSCR financing removes the barriers that slow down conventional investment property loans — especially for self-employed or high-portfolio investors.
DSCR loans qualify the property, not you. Income is calculated from the subject property's rent schedule or comparable market rents — not W-2s, 1040s, or business returns.
Traditional lenders cap conventional investment loans at 10 financed properties. DSCR programs often have no cap, making them ideal for serious portfolio builders.
DSCR lenders can use Airbnb and VRBO income history or comparable short-term rental data to calculate DSCR — making it viable for vacation rental investors.
Preserve cash flow with a 30-year fixed, maximize initial returns with a 5/1 ARM, or minimize payment with a 30-year interest-only loan — all available through DSCR programs.
Without the income documentation burden of conventional loans, DSCR deals move quickly. We close many DSCR purchases in 21–30 days when the lease is in place.
DSCR programs cover single-family homes, 2–4 unit properties, condos, and small multifamily (5–8 units in some cases) across all six states we serve.
We streamline the DSCR process from property analysis to closing day.
We calculate your property's DSCR upfront: annual gross rent ÷ annual PITIA. A DSCR of 1.0+ means the property covers itself. Some programs go as low as 0.75.
You need a 680+ credit score, 20–25% down, and verified reserves (typically 3–6 months of PITIA). No income documents — just credit, assets, and the property lease.
A DSCR appraisal includes a market rent analysis (1007 form). We order this upfront to confirm the property's cash flow supports the loan before you are too far in.
DSCR loans can close in an LLC or trust, protecting your personal assets. We coordinate with your legal entity and walk you through vesting options.
Ready to get started? Talk to a licensed loan officer today — no obligation, no pressure.
Call (888) 659-0033Have a specific deal you want to walk through with us? Call us at (888) 659-0033.
DSCR loans have become the preferred financing tool for real estate investors who want to scale their portfolios without the income documentation burden of conventional loans. Freedomstar Financial originates DSCR investor loans across California, Colorado, Virginia, Georgia, Florida, and Texas — states that collectively represent some of the strongest rental markets in the nation. Whether you are acquiring your first rental property or your fiftieth, our investor lending team will match you with the right DSCR program and walk you through every step of the process.
California's rental demand is among the highest in the nation. Markets like San Diego, Los Angeles, Sacramento, and the Inland Empire offer strong long-term rental yields, and coastal STR markets use DSCR's Airbnb income option. California's high home prices mean DSCR is often the only viable non-QM option for investors.
Colorado's booming long-term rental market in Denver, Aurora, and Colorado Springs pairs with one of the nation's strongest short-term rental markets in mountain communities. DSCR loans are widely used by investors acquiring both standard rentals and STR properties in Colorado.
Virginia Beach, Richmond, Chesapeake, and the Northern Virginia corridor offer solid cap rates for long-term rental investors. Military PCS cycles drive consistent rental demand near installations — a reliable income source that DSCR underwriters understand well.
Atlanta has emerged as one of the top U.S. markets for single-family rental investors. Strong population growth, in-migration, and rising rents have made Georgia a prime DSCR market. We work with investors in Atlanta metro, Savannah, and Augusta who are building portfolios using DSCR financing.
Florida is a powerhouse for both long-term and short-term rental investors. DSCR loans are widely used in Tampa, Orlando, Jacksonville, and throughout the STR-rich Gulf Coast. Florida's absence of a state income tax enhances cash-on-cash returns, making DSCR yields especially attractive.
Texas leads the country in population growth and apartment absorption. DSCR investors are active across Austin, Dallas, Fort Worth, Houston, and San Antonio. Texas's landlord-friendly laws, no state income tax, and strong rental demand make it one of the best DSCR markets in the US.
DSCR loans are for investment properties only and are not available for primary residences or owner-occupied homes. All rates are subject to change without notice. Rates shown are for illustrative purposes only. DSCR loans require 20–25% minimum down payment and a minimum 680 credit score depending on program. Property must generate sufficient rental income to meet lender DSCR requirements. Not all borrowers or properties will qualify. NMLS #1439059.
