DSCR Investor Loans in Phoenix AZQualify on Rental Income, No Tax Returns
Looking to grow your rental portfolio in Phoenix? A DSCR loan lets you buy or refinance investment properties based on the rent the property brings in, not your personal income. That means no tax returns, no W-2s, and no debt-to-income headaches. I'll get you funded fast so you can close on your next deal.
- 10+ Years Experience
- License NMLS# 1455718
- $500M+ in Loan Volume Closed
- Backed by the Nation's #1 Mortgage Brokerage
When You Need DSCR Investor Loans
You need a DSCR loan when you want to buy a rental property but a regular mortgage won't work. Maybe your tax returns show low income because of write-offs. Maybe you already own a few properties and you've hit your debt-to-income limit. Maybe you're self-employed and lenders keep asking for two years of returns you don't have time to gather. A DSCR loan solves all of that. Lenders look at the rent the property will bring in versus the loan payment — the debt-service coverage ratio that gives these loans their name. If the rent covers the payment with some cushion, you qualify. It works for single-family rentals, small multi-family, and short-term rentals like Airbnb. Investors use these loans to scale fast because there's no cap on how many you can have.
Our DSCR Investor Loans Process
Here's how we close your DSCR loan. First, send me the property address and basic deal terms. I'll pull a quick rent estimate and tell you if the numbers work — usually within an hour or two. If it pencils out, I'll send a pre-approval letter so you can put in an offer. Once you're under contract, we order the appraisal with a rent schedule. The lender uses that rent number to size the loan. You'll send a few documents — bank statements showing reserves, a credit pull, and a copy of the purchase contract. No tax returns, no pay stubs. Closing usually happens in 21 to 30 days. I tell you exactly what to expect each week so there are no surprises.
DSCR Investor Loans Cost in Phoenix
DSCR loan pricing depends on a few things: your credit score, the size of your down payment, the property type, and how strong the rent-to-payment ratio is. Higher DSCR ratios and bigger down payments get you better rates. I shop dozens of DSCR lenders to find the best fit for your deal. You'll know every fee, every rate, and every term up front in writing before you commit to anything. No hidden costs at closing. If a competitor beats my quote, I'll tell you — but they almost never do.
Why Choose Us
I close DSCR loans for investors all over Phoenix and across Arizona. Ten-plus years in the business, 50-plus five-star reviews, and a stack of repeat clients building real rental portfolios. Same-day response on every call or text. AI-powered document processing that cuts weeks off your closing. And I'll always tell you the truth — if a deal doesn't work, I'll say so and help you find one that does. Investing should be about building wealth, not chasing paperwork.
Ready to Get Started?
Ready to fund your next rental deal? Call or text Mark at (480) 690-9790 and I'll run the numbers on your property today. Free quote, no obligation.
For more investment financing options, see all of our Investment Service programs in Phoenix.
Reviewed by
Mark Fazio — Licensed Mortgage Loan Officer
NMLS #1455718 · Barrett Financial Group (NMLS #181106) · Phoenix, AZ
Mark Fazio is a licensed Phoenix mortgage broker with 10+ years of experience and over 1,000 home loans closed. He shops dozens of lenders to find the lowest rate on purchase, refinance, and specialty loans, and personally guides every client from the first call through closing.