DSCR Loans for Real Estate Investors — No W2 Needed
We fund rental properties, Airbnb, and multi-family homes. Get approved with no tax returns, no income verification, and close in as little as 10 days.
Escape Your Old High-Rate Loan
Locked into a pre-2024 mortgage?
Refinance with a DSCR loan and take advantage of today’s rates — no W-2s required.
Avoid Payment Spikes
Buy-down rate or interest-only term ending soon?
Refi into a stable, long-term DSCR loan and protect your cash flow.
Use Equity Without the Roadblocks
Pull cash from your investment property — even without title seasoning.
No income verification. Just rental income.
Check your Eligibility Now
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Why Real Estate Investors Love DSCR Loans
No tax returns or W2s needed
No job or employment verification
Approval based on rental income (not your income)
Perfect for LLCs and corporations
Close in as little as 10 days
Finance short-term rentals, long-term rentals, or multi-fam
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DSCR loan
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Why Investors Choose Us
We’ve helped 2,000+ real estate investors secure over $150M in funding.
10+ Lenders Competing for You
Close in as Little as 10 Days
Works with LLCs + No Doc Options
Hear from Investors Like You
Richard J.
Refinance
Mariah H.
Airbnb
Olivia M.
Covid Rate
Let’s See What You Qualify For — No Hard Pull
Soft pull only
No commitment required
Takes less than 60 seconds
Investor Testimonial
“I was tired of banks asking for my tax returns when my rentals were cash-flowing like crazy. Kindred Mortgage Group got me approved fast — no W2, no headaches. I closed my duplex in 12 days. I’m now on my third property using DSCR loans. They didn’t care about my day job, just my rental cash flow.”
Marcus J.
Atlanta Investor
Frequently Asked Investor Questions
Got questions? Here’s what real estate investors ask before using our no-income-verification loan programs.
What types of loans do you offer?
We offer purchase loans with as little as 15% down, refinance loans up to 80% LTV, Airbnb/short-term rental loans using booking income, and 2nd mortgages so you can keep your low first mortgage rate.
How fast can I get approved?
Most investors get pre-qualified in 24–48 hours and can close in as little as 3 weeks, depending on the deal.
Do I need tax returns or W-2s?
No. These are no income verification loans. Approval is based on your property’s rental income or projected income — not your job.
Can you help with cash-out refinancing?
Yes. You can pull cash out up to 80% LTV, and with no title seasoning, you can access equity faster.
Do you work with Airbnb and short-term rentals?
Absolutely. Airbnb, VRBO, and other STR income counts toward qualification. Perfect for hosts and investors scaling their short-term rental business.
What credit score do I need?
A minimum 620 FICO score is required to qualify for most of our programs.
