Let your rental income do the talking. With DSCR loans from Nation Capital, we qualify you based on property performance, not personal income. Competitive rates and fast funding to keep your portfolio growing.
Get Pre-Qualified NowPurchase up to 85% LTV
Refinance up to 80% LTV
Rates starting at 5.75%
30 or 40 year terms available
Minimum 640 credit score
No prepayment penalty option available
Interest only option available
Purchase up to 85% LTV
Refinance up to 80% LTV
Rates starting at 5.75%
30 or 40 year terms available
Minimum 640 credit score
No prepayment penalty option available
Interest only option available
Forget everything you know about mortgage applications. A DSCR Loan flips the script — it qualifies the property, not you.
"So I don't have to show my personal income?!"
Nope. We look at how much rent the property will make vs. the monthly mortgage payment. That's it.
"What's the one question you're really asking?"
"Will the rent cover the payment?" If yes — you're approved. Simple as that.
No personal income verification required
Qualify based on rental income
Perfect for portfolio growth
Purchase or refinance
(Up to 85% LTV)
Buy your next investment property with rental income as your qualifier. Perfect for:
Adding properties to your portfolio
Entering new markets
Buying turnkey rentals
Scaling without income limits
(Up to 80% LTV)
Improve terms on existing investment properties. Perfect for:
Lowering your rate
Pulling out equity for renovations
Consolidating debt
Switching from adjustable to fixed rates
Up to 85% LTV
Buy your next investment property with rental income as your qualifier.
Perfect for:
Adding properties to your portfolio
Entering new markets
Buying turnkey rentals
Scaling without income limits
Up to 80% LTV
Improve terms on existing investment properties.
Perfect for:
Lowering your rate
Pulling out equity for renovations
Consolidating debt
Switching from adjustable to fixed rates
Rate options: 30/40-year fixed: Stability and predictable payments. 5/6 ARM: Lower initial rates with adjustment after 5 years
Payment options: Fully amortized: Pay down principal and interest. Interest-only: Maximize cash flow (for qualifying properties)
Four simple steps from application to cash in hand.
Property address, purchase price, expected rent. Takes 5 minutes.
If the rent covers the mortgage, you're golden. We verify and send your rate.
Happy with the terms? Lock it in and we move to closing.
Sign the docs, get the keys, start earning. That's it.
Zero tax returns or income docs
Property's rental income is the only thing that matters
No limit on how many properties you finance
Self-employed, W-2, retired, doesn't matter
Close as fast as 14 days
2 years of tax returns required
Pay stubs and W-2s from your employer
Debt-to-income ratio limits how many properties you can own
Self-employed? Good luck documenting everything
30-45 day close times, minimum
Growing your rental portfolio? DSCR loans remove the personal income barrier, letting you qualify for multiple properties based on their performance.
1099 income, write-offs, and complex returns make traditional loans a nightmare. DSCR loans skip all that and focus on what matters: rental cash flow.
Already own investment properties? Refinance to better terms without digging through years of tax returns. Let your rental income do the talking.
First-time rental property buyers with strong cash flow. Investors expanding into new markets. Buyers of turnkey rental properties.
Debt-Service Coverage Ratio. It's calculated by dividing the property's monthly rental income by its monthly debt obligations (mortgage, taxes, insurance, HOA).
We can go as low as a 0.75 DSCR ratio. A DSCR of 1.0 or higher means the property's income covers its expenses, and above 1.25 is considered strong.
No. That's the whole point of a DSCR loan — you qualify based on the property's income, not your personal income documentation.
Yes. For purchases, we can use market rent analysis or an appraisal to determine rental income potential.
We evaluate each deal individually. We can work with DSCR ratios as low as 0.75, so even if your property doesn't fully cash flow, we may still be able to help depending on other factors like credit and down payment.
No. DSCR loans are for investment properties only, not primary residences.
There's no limit. Unlike conventional loans (which often cap at 4-10 properties), DSCR loans allow you to scale without hitting arbitrary property limits.
Single-family homes, 2-4 unit properties, 5+ multifamily, condos, townhomes, and even commercial properties. The property must be investment/rental property, not owner-occupied.
Yes. We accept short-term rental income with proper documentation. Talk to us about your specific situation.
DSCR loans typically close faster than traditional mortgages since there's less documentation. We can fund in as little as 14 days.
Important Disclosures
General Lending Disclaimer
Nation Capital Group Inc. is not a direct lender for all products. All loan applications are subject to credit approval. Terms, rates, and conditions vary by loan product, borrower qualifications, and property type. This is not a commitment to lend. Not all borrowers will qualify. Nothing on this website constitutes a loan approval, commitment, or guarantee of any specific rates or terms.
Rates & APR Disclaimer
All interest rates, Annual Percentage Rates (APRs), and loan terms displayed on this site are for informational purposes only and are subject to change without notice. Actual rates depend on credit profile, property type, loan-to-value ratio, and other underwriting factors. Advertised rates may require specific conditions to be met. Contact us for a personalized rate quote.
Communication Consent (TCPA)
By submitting your information through any form on this website, you consent to be contacted by Nation Capital Group Inc. and its lending partners by phone, email, or text message — including through automated dialing systems and prerecorded messages — at the number or email address provided, even if listed on a Do Not Call registry. Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time.
Equal Housing & Fair Lending
Nation Capital Group Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, or any other basis protected by applicable law. All lending decisions are made based on legitimate underwriting criteria.
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Website Use
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