DSCR Mortgage Loans for Real Estate Investors
Qualify Based on Rental Income – Not Tax Returns
GET INTRODUCED
Helping Investors Build Wealth with No-Income DSCR Loans
Work directly with Nikko Jones – NMLS #2629219
Specializing in fast closings for long-term and short-term rental investors.
10+ DSCR Loan Programs
Options for different property types, LTVs, and DSCR scenarios.
Licensed in 10+ States
Helping investors scale portfolios across multiple markets.
Fast Closings, No Tax Returns
Most loans close in 15–21 days — without W2s or personal income docs.
Why Investors Choose Me
Real estate investors trust me because I simplify the process, protect their time, and help maximize returns — not paperwork.
Streamlined DSCR Process
Get from quote to closing without income docs, W2s, or tax returns. It’s fast and built for investors.
Works for New & Experienced Investors
Whether it’s your first rental or your tenth, I walk you through every step — no guessing.
Close in an LLC
Title the property in your LLC or business name — we’re investor-friendly by design.
Airbnb & Short-Term OK
Many of our lenders accept income from short-term rentals like Airbnb or VRBO.
Get a Quote in 24 Hours
Submit your property info and I’ll run your scenario same-day — fast and accurate.
Access to 20+ Lenders
I shop your deal across multiple DSCR lenders so you get the best terms available.
Scale Your Portfolio
Build long-term wealth by using rental income to qualify — not tax returns or job history.
Get Fast Pre-Approvals
Submit your deal today and get a quote in 24 hours. It’s that simple.
Business-Friendly Lending
Title your property in your LLC and skip personal income docs. Ideal for investors.
WHAT’S THE BEST
Mortgage Programs
Explore loan options designed to help real estate investors scale — without W2s, tax returns, or the headaches.
DSCR Investment Property Loan
Buy or refinance rental properties using your property's cash flow — not your personal income.
Ideal for long-term and short-term investors (including Airbnb).
Fast approvals. No income docs. LLC-friendly.
✅ No personal income verification
✅ Close in your LLC or personal name
✅ Works for long-term or short-term rentals
✅ Only needs the property to cash flow
GET ADDRESS
How the DSCR Loan Process Works
From application to closing — here's what to expect.
Step 1: Submit Your Info
Complete a quick form with your rental income and property details — no personal income docs needed.
Step 2: Get Your Custom Quote
I’ll run the numbers, match you with the best-fit lender, and send you a quote within 24 hours.
Step 3: Close in 15–21 Days
Finalize docs, appraise the property, and we’re ready to close — all without W2s or tax returns
OUR TEAM
Our Staff Profiles
Nikko jones
Chief Executive Officer
Frequently Asked Questions
{question 1}
Do I need to show W2s or tax returns to qualify for a DSCR loan?
Nope. DSCR loans qualify you based on the rental income your property generates. No personal income docs required.
{question 2}
What credit score do I need?
Most DSCR programs require a 660+ FICO, but better rates are available at 700+. I’ll help match you with the best-fit program based on your profile.
{question 3}
Can I close in an LLC or business entity?
Yes. DSCR loans are ideal for investors who want to close in an LLC or business name for liability and tax reasons.
{question 4}
How much can I borrow on a DSCR loan?
Loan amounts typically range from $100,000 up to $2.5M+. The loan is based on property value and rental income—not personal income.
{question 5}
What is considered a good DSCR ratio?
A DSCR of 1.00 or higher usually qualifies, but 1.15+ often gets better pricing. That means your rental income covers at least 100–115% of your monthly payment.
{question 6}}
Can I use short-term rental income like Airbnb?
Yes, some lenders allow it. You’ll need documented income history like statements from Airbnb, VRBO, or bank deposits.
What My Clients Say
Nikko explained everything in plain terms and helped me close on my first rental in under 3 weeks. I never felt lost in the process.
I had unique income from my Airbnb rentals, and Nikko found a lender that accepted it. The process was fast and didn’t require tax returns.
I live in California and bought in North Carolina. Nikko made everything smooth. DSCR loans are confusing but he made it easy.
These testimonials reflect typical investor scenarios Nikko helps navigate.
Your experience may vary depending on your goals and qualifications.
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Call xxx-xxx-xxxx
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