Stallion Loans Presents
DSCR Loans
Qualify With the Property. Not Your Paycheck.
Grow your rental portfolio without tax returns, W-2s, or personal income verification. Stallion Loans shops multiple DSCR lending partners to get investors the best terms available — on loans up to $3 million.
$3M
Max Loan Amount
0.80
DSCR Options From
85%
Max LTV
0
Personal Income Docs
The Guidelines
Built to grow a portfolio, not paper-chase a bank
Conventional investment property loans still want your personal tax returns and debt-to-income ratio. DSCR loans ask a different question: does this property pay for itself?
Property Qualifies, Not You
Underwriting is based on the property's rental income relative to its debt, not your personal income.
No Tax Returns or W-2s
Personal income and employment are not used to qualify the loan.
Loans up to $3,000,000
On 1-4 unit investment properties.
Purchase, Refinance & Cash-Out
Rate-and-term and cash-out refinance both available.
Short-Term Rental Income Counts
Airbnb and VRBO income can be used to qualify, not just long-term leases.
Section 8 Income Eligible
Documented housing authority rental income counts in eligible states.
DSCR as Low as 0.80 Considered
Options exist even when the property does not fully cover its own payment.
Up to 85% LTV
At the strongest credit and DSCR tiers.
Investment Property Only
Business-purpose loans — not for a primary residence or second home.
How It Works
Four steps. The property does the talking.
01
Tell Us About the Property
Share the purchase price or current value, and the property's actual or projected monthly rent.
02
We Calculate Your DSCR
Gross rental income divided by the proposed payment. We shop that number across multiple DSCR lending partners to find your best fit.
03
Get Your Pre-Qualification
No personal income documentation required — pre-qualification is based on the property and your credit profile.
04
Close and Keep Growing
Fixed and adjustable-rate options available, with no limit on the number of financed properties tied to your personal DTI.
DSCR Calculator
See what your property qualifies for
Enter the property's value and rent — we'll calculate your actual DSCR and find the best-qualifying loan amount across our DSCR lending partners automatically.
Actual lease amount, or market rent from a rent schedule / AirDNA report for short-term rentals.
If rent alone falls just short, eligible liquid assets can sometimes supplement it to qualify (680+ FICO, experienced investors, loans up to $2M).
Purchase Estimate
Your Calculated DSCR
0.00
Qualifying LTV
0%
Estimated Down Payment
$0
Estimated Cash Available
$0
Loan Amount
$0
Estimated Monthly Payment (PITI)
$0
Reserves Likely Required
$0 (0 months)
Estimate only. Assumes property taxes and insurance at 1.5% of value annually. Actual DSCR, LTV, and pricing are determined by full underwriting. Not a commitment to lend.
Where We're Live
Local expertise, market by market
DSCR lending is rolling out market by market. Here's where we currently have dedicated local guidance.
Dallas County
Texas
View Local Program →
Jefferson County
Alabama
View Local Program →
Anchorage Municipality
Alaska
View Local Program →
Pulaski County
Arkansas
View Local Program →
Denver County
Colorado
View Local Program →
Hartford County
Connecticut
View Local Program →
New Castle County
Delaware
View Local Program →
Fulton County
Georgia
View Local Program →
Orange County
Florida
View Local Program →
Polk County
Iowa
View Local Program →
Sedgwick County
Kansas
View Local Program →
Jefferson County
Kentucky
View Local Program →
Orleans Parish
Louisiana
View Local Program →
Cumberland County
Maine
View Local Program →
Cook County
Illinois
View Local Program →
Marion County
Indiana
View Local Program →
Baltimore County
Maryland
View Local Program →
Worcester County
Massachusetts
View Local Program →
Hinds County
Mississippi
View Local Program →
Jackson County
Missouri
View Local Program →
Flathead County
Montana
View Local Program →
Douglas County
Nebraska
View Local Program →
Carroll County
New Hampshire
View Local Program →
Mecklenburg County
North Carolina
View Local Program →
Ocean County
New Jersey
View Local Program →
Erie County
New York
View Local Program →
Cuyahoga County
Ohio
View Local Program →
Tulsa County
Oklahoma
View Local Program →
Allegheny County
Pennsylvania
View Local Program →
Providence County
Rhode Island
View Local Program →
Charleston County
South Carolina
View Local Program →
Davidson County
Tennessee
View Local Program →
King County
Washington
View Local Program →
Kanawha County
West Virginia
View Local Program →
Milwaukee County
Wisconsin
View Local Program →
Teton County
Wyoming
View Local Program →
Resources
Answers for real estate investors
How to Use Airbnb or VRBO Income to Qualify for a DSCR Loan
Short-term rental income can count toward DSCR qualification — here's how it's documented and what lenders actually want to see.
Asset Depletion for DSCR Loans: Qualifying When the Rent Doesn't Quite Cover the Payment
When a property's DSCR falls just short, eligible liquid assets can sometimes close the gap. Here's exactly how that math works.
What Credit Score Do You Need for a DSCR Loan?
Minimum scores start lower than you might expect, but your exact tier determines the loan-to-value ratio and reserve requirement you'll face.
DSCR Below 1.0? Here's What Still Qualifies
A DSCR under 1.00 doesn't automatically disqualify a property. Here's how lenders actually handle it, and what your options look like.
Frequently Asked Questions
Straight answers for investors
What is a DSCR loan? +
A DSCR (Debt Service Coverage Ratio) loan qualifies an investment property based on the rental income it generates relative to its mortgage payment, rather than the borrower's personal income.
Do I need to show my personal income or tax returns? +
No. Personal income, employment, and tax returns are not used to qualify a DSCR loan. Qualification is based on the property's rental income, your credit profile, and the loan-to-value ratio.
How is DSCR calculated? +
DSCR equals the property's gross monthly rental income divided by its proposed monthly payment (principal, interest, taxes, and insurance). A DSCR of 1.00 means the rent exactly covers the payment.
Can I use Airbnb or short-term rental income to qualify? +
Yes. Short-term rental income from platforms like Airbnb or VRBO can be used to qualify, documented through market rent analysis, rental history, or platforms such as AirDNA.
What if my DSCR is below 1.00? +
Loan options still exist when a property's rent doesn't fully cover its payment, typically at a lower loan-to-value ratio and higher credit score requirement.
What is the maximum loan amount? +
Loan amounts up to $3,000,000 are available depending on the specific program and qualifying factors.
Can I use a DSCR loan for my primary residence? +
No. DSCR loans are business-purpose loans for investment properties only, and are not available for a primary residence or second home.
What credit score do I need? +
Minimum credit scores start as low as 620, though stronger credit unlocks higher loan-to-value ratios and better terms.
Do you offer cash-out refinancing? +
Yes. Cash-out refinancing is available on qualifying investment properties in addition to purchase and rate-and-term refinance options.
Ready to Grow Your Portfolio?
Let the property make the case. We'll handle the rest.
Melvin Kelly, President · NMLS #978991
Or Request a Call Back
Tell us about the property and we'll reach out — usually the same business day.
Thank you.
Your request has been received — we'll be in touch shortly.