Nationwide Fair Lending qualifies real estate investors based on what their property earns — not what their accountant shows. No W2s. No pay stubs. No personal income verification.
Whether you're buying your first rental or scaling a portfolio, we have a DSCR program built for your investment strategy.
Finance 1–4 unit residential investment properties using the property's actual or projected rental income. The go-to loan for buy-and-hold investors building long-term wealth.
Airbnb, VRBO, and vacation rental properties qualified using market STR income data. Built for the modern investor capitalizing on the short-term rental boom.
Scale faster with small multifamily properties. Qualify based on total rental income across all units. Perfect for house-hackers and emerging multifamily investors.
Commercial-scale DSCR financing for apartment buildings and large multifamily assets. For serious portfolio investors ready to operate at scale.
We built our entire lending process around real estate investors — not traditional home buyers. That difference shows in every deal.
No brokers, no middlemen, no added fees. You work directly with our team from your first call through funding. Faster decisions, better service, lower cost.
Forget W2s, tax returns, and pay stubs. We underwrite every DSCR loan based on your property's cash flow — period. Your write-offs are no longer a liability.
Investment deals move fast. Our streamlined DSCR process is designed to close in as little as 21 days so you never lose a deal to slow financing again.
Whether you invest locally or across the country, we're licensed and lending in all 50 states. One lender for your entire national portfolio.
Unlike conventional loans, DSCR loans have no limit on the number of financed properties. Scale your portfolio without hitting a wall at property #10.
Take title in your LLC or entity from day one. We lend to individuals and business entities, giving you the asset protection structure serious investors need.
Find out if your property qualifies before you apply. Adjust the sliders to see your debt service coverage ratio instantly.
Move the sliders to estimate your property's DSCR ratio and monthly payment.
Monthly Payment (P&I)
DSCR Ratio
DSCR stands for Debt Service Coverage Ratio. It measures whether your rental property generates enough income to cover its mortgage payment.
The Formula
A DSCR of 1.0 means your rental income exactly covers your mortgage. We generally require a minimum DSCR of 1.0 — though some programs allow as low as 0.75 with stronger compensating factors.
Our DSCR process is built for speed. Most borrowers go from application to funded in 21 days or less.
Answer a few quick questions about your property and loan needs. Takes less than 5 minutes. No credit pull at this stage.
A DSCR specialist reviews your application and reaches out same day with loan options tailored to your property and goals.
No tax returns. We need property info, a lease agreement (or rental market data), and standard identification. That's it.
We order the appraisal and underwrite simultaneously to save time. Our team keeps you updated at every step.
Sign your docs and receive your funds. Most loans close in 21 days. Your next investment property is yours.
Average time from application
to funded loan
Real feedback from real estate investors who closed DSCR loans with Nationwide Fair Lending.
Two banks turned me down because of my write-offs. Nationwide Fair Lending closed my rental property loan in 18 days based on the rent alone. I don't know why I didn't do this sooner.
I have 7 Airbnbs and couldn't get financed anywhere because my income looks low on paper. Nationwide Fair Lending used STR market data and closed all three of my new properties in under 30 days.
Direct lender makes all the difference. No broker inflating my rate. I got a better deal and closed faster than any loan I've done. Now on my 4th DSCR loan with them.
No credit pull. No obligation. A DSCR specialist will reach out within minutes to discuss your options.
We qualify on your property's rental income — not yours.
Pre-qualification does not affect your credit score.
A specialist reviews your application and calls you same day.
Take title in your business entity from day one.
Step 1 of 5 · Takes about 2 minutes
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Everything you need to know about DSCR loans at Nationwide Fair Lending.