DSCR Rental Loans — No Tax Returns or W-2s Required
Long-term rental financing based primarily on property cash flow, with rates starting at 5.75% and up to 80% LTV (85% on exception).
For investors buying, refinancing, or cash-out refinancing rental properties—from single-asset loans up to $2.5MM to cross-collateralized portfolios up to $3MM (up to 20 properties).
Get Your DSCR Quote
- No W-2s or Tax Returns
- Rates starting at 5.75%
- Up to 80% LTV (85% Exception)
Single Property DSCR Financing
Built for single-family rentals, 2–4 units, condos, townhomes, PUDs, and short-term rentals—qualifying based on property cash flow without W-2s, paystubs, or personal tax returns.
(STR Case by Case)
Purchase: 80% (85% on exc.) · R/T: 80% · Cash-Out: 75% (80% on exc.)
(Lower DSCR Case by Case)
(Lower FICO on Exception)
No seasoning required
No paystubs required
Portfolio DSCR Financing
Cross-collateralized blanket loans structured under a single closing—designed for rental operators, aggregators, and investors scaling multiple properties efficiently.
Per Portfolio
Properties per portfolio
Purchase: 80% · Rate/Term: 80% · Cash-Out: 75%
One closing, cross-collateralized
By unit count
1.2x allocated loan amount / property
Financing Built Around the Investment
Property Performance First
DSCR financing focuses on the property’s ability to support the debt rather than traditional personal-income qualification.
Structure Beyond the Rate
A financing decision should consider leverage, fees, prepayment structure, cash flow, refinance strategy, and what you plan to do next.
Portfolio-Minded Lending
Whether you are buying one property or growing an existing portfolio, we focus on the larger investment strategy.
A Clear Path to Long-Term Rental Financing
Submit the Property
Initial Review
Terms & Underwriting
Close & Keep Investing
Real Estate Lending Informed by Capital Markets Experience
Helios1 Capital combines mortgage lending and institutional capital-markets experience with the direct access and responsiveness investors expect from a private lender.
No corporate maze. No generic borrower experience. Custom capital built for rental operators.
That’s what we mean by “We Get the Deal.”
Frequently Asked Questions
Do DSCR loans require tax returns or W-2s?
No. DSCR financing qualifies based on the property’s rental income and debt service coverage rather than personal tax returns, W-2s, or paystubs.
What are the maximum LTV limits for purchases and refinances?
For Single Property DSCR: Purchase loans are available up to 80% LTV (85% on exception), Rate/Term refinances up to 80% LTV, and Cash-Out refinances up to 75% LTV (80% on exception). For Portfolio DSCR: Purchase and Rate/Term refinances are up to 80% LTV, and Cash-Out refinances up to 75% LTV.
What is the minimum DSCR ratio required?
Single Property DSCR loans start at a minimum DSCR of 0.75x (lower DSCR considered case by case). For Portfolio DSCR loans, the minimum DSCR is 1.00x.
Can I finance a portfolio of multiple properties together?
Yes. Our Portfolio DSCR program offers cross-collateralized blanket loans for up to 20 properties per portfolio, with loan amounts from $100K up to $3MM under a single closing. Portfolios require a minimum 90% occupancy by unit count and feature a 1.2x release price per property.
What are the closing timelines and seasoning requirements?
Single Property DSCR loans typically close in 2–3 weeks with zero minimum seasoning required. Portfolio DSCR loans typically close in 4–6 weeks.
What property types and terms are available?
Eligible properties include Single-Family Residences (SFR), 2–4 unit properties, condominiums, townhomes, PUDs, and Short-Term Rentals (STR case-by-case for single properties). Terms include 30-Year Fixed or Hybrid ARM with Fully Amortizing or Partial Interest-Only options.
Are foreign nationals eligible?
Yes, qualifying foreign national real estate investors may be eligible for DSCR financing.
Discover the different types of loans we offer
Explore our full suite of private capital solutions tailored for investors, builders, and developers.
Ground-Up Construction
Financing for builders and developers from foundation through final completion.
Fix & Flip Loans
Acquisition and renovation capital with up to 100% financing for qualified rehab budgets.
DSCR Rental Properties
Long-term financing qualified on property cash flow without W-2s or tax returns.
Bridge Financing
Expedited short-term capital for acquisitions, partner buyouts, and transitional assets.
Multifamily Financing
Customized bridge and construction structures for residential portfolios and 5+ unit properties.
Ready to Finance Your Next Rental Property?
Get a DSCR structure built around the investment.