Creative “No Doc” DSCR Loans Built for Real Estate Investors
DSCR Elite Loan
Finally . . . the last DSCR loan you will ever shop for!
DSCR Elite delivers the most flexible and competitive DSCR loan program for investors in today's private lending market.
Powered by common sense underwriting designed for real-world investors, our DSCR Elite experts work with you to source and secure the best DSCR loan from our network of thousands of private DSCR lenders, family trusts, and investor-friendly banks and credit unions. So you get smarter terms, faster approvals, and a seamless path to scale your rental portfolio. If you already have a term sheet from a DSCR lender or broker, LoanTap will match or beat it.
Whether you're expanding a rental portfolio, refinancing short-term rentals, or pivoting after a bank denial, DSCR Elite gives you the freedom to move at the speed of opportunity.
Built for the Deals Banks Won't Touch
Traditional lenders focus on W-2s. We focus on ROI. From no-income DSCR loans, to portfolio refinancing, and DSCR loans after bank denial, you'll work with an expert who understands how to structure leverage, mitigate DSCR challenges, and keep closings on schedule. Whether it's your first DSCR loan or your fiftieth, DSCR Elite brings you the largest selection of niche rental financing solutions that close when others don’t.
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DSCR Elite delivers the most flexible and competitive DSCR loan program for investors in today's private lending market.
Powered by common sense underwriting designed for real-world investors, our DSCR Elite experts work with you to source and secure the best DSCR loan from our network of thousands of private DSCR lenders, family trusts, and investor-friendly banks and credit unions. So you get smarter terms, faster approvals, and a seamless path to scale your rental portfolio. If you already have a term sheet from a DSCR lender or broker, LoanTap will match or beat it.
Whether you're expanding a rental portfolio, refinancing short-term rentals, or pivoting after a bank denial, DSCR Elite gives you the freedom to move at the speed of opportunity.
Built for the Deals Banks Won't Touch
Traditional lenders focus on W-2s. We focus on ROI. From no-income DSCR loans, to portfolio refinancing, and DSCR loans after bank denial, you'll work with an expert who understands how to structure leverage, mitigate DSCR challenges, and keep closings on schedule. Whether it's your first DSCR loan or your fiftieth, DSCR Elite brings you the largest selection of niche rental financing solutions that close when others don’t.
Tap Into 5% More Leverage With DSCR Elite
Tap Into 5% More Leverage With DSCR Elite
Purchase
As little as 15% down payment
Refinance
Up to 85% Loan to Value (LTV)
Cash-Out
Up to 80% Loan to Value (LTV)
DSCR Elite Changes
the Game
DSCR Elite Changes
the Game
Imagine being able to . . .
Collapse your BRRRR timeline with no ownership seasoning - cash-out immediately, even if the property is vacant!
Close in weeks, not months - faster when appraisal and title are ready.
Leverage creative, flexible underwriting built specifically for real estate investors, not W-2 borrowers.
Choose 40-year term and interest only options to boost cash flow and maximize NOI
Transfer appraisal with ease - Just send PDF & Invoice
Qualify even with limited credit history or lower DSCR ratio
Use asset depletion or bank statements to strengthen your file.
Short Term Rental Loan Pioneer
Qualify using AirDNA data for your DSCR loan for Airbnb or short-term rentals
First-time STR investors welcome - cash-out after your first booking!
Virtually all property types accepted
1-10 unit residential, condos (including non-warrantable) & condotels/PUDtels, mixed-use, rural, acreage & commercial
Bring your term sheet from another lender - LoanTap will match or beat it.
What We Can Help You Finance:
Short Term Rental Loan Without the Run Around
What We Can Help You Finance:
Short Term Rental Loans Without the Run Around
Our borrowers are typically . . .
• Single-Family Rentals (SFRs)
• 2–10 Unit Properties
• Airbnb / Short-Term Rentals
• Condos + Townhomes
• Non-warrantable condos
• Mixed-use Properties
• Condo-tels
• Commercial properties
• Rental Portfolios (5+ Properties)
• Barndominiums
• Unique properties
• Rural Properties
• Commercial properties
First timer OK - No STR experience needed!
“AirBnBRRRR” Friendly - Full ARV Cash-Out immediately after first booking!
Seasonal/Vacation Markets OK (Including Rural)
Out of State Investing OK
Up to 10 units OK
Property Types:
Short Term Rental (STR) Loan
Without the Run Around
What We Can Help You Finance:
Property Types:
Our borrowers are typically . . .
• Single-Family Rentals (SFRs)
• 2–10 Unit Properties
• Airbnb / Short-Term Rentals
• Condos + Townhomes
• Non-warrantable condos
• Mixed-use Properties
• Condo-tels
• Commercial properties
• Rental Portfolios (5+ Properties)
• Barndominiums
• Unique properties
• Rural Properties
First timer OK - No STR experience needed!
“AirBnBRRRR” Friendly - Full ARV Cash-Out immediately after first booking!
Seasonal/Vacation Markets OK (Including Rural)
Out of State Investing OK
Up to 10 units for STR OK
Why DSCR Elite is the Gold Standard for Investors
Why DSCR Elite is the Gold Standard for Investors
No personal income verification required
No tax returns, paystubs, 1099s or W2s - truly a no income DSCR loan built for investors
Close in Your Entity
LLC, LP or corporation
LoanTap's DSCR loans don't report to personal credit
Won’t affect debt to income for primary home or vehicle loan
Streamlined Documentation
Close faster with minimal friction
Rates at or below conventional/full-doc pricing
Starting at 5.25%
Fast Approvals
From private DSCR lenders who understand how investors operate
Scale without limits
Conventional mortgages allow max. 10 rentals which prohibits scaling
LoanTap has no such limit
Why DSCR Elite is the Gold Standard for Investors
STEP 1
Initial Call
A quick intake call to review your deal and timeline.
Apply in minutes
STEP 2
We Respond Fast
Our team jumps into action immediately. We’ll contact you with real options — often within hours.
You won’t wait days just to hear “no.”
STEP 3
Close in as Few as 3 Days
If your deal’s urgent, we’re built for that. No hard credit pull, no appraisal required for purchase, and no surprises.
Close with confidence, even when time is tight.
See the Difference:
DSCR Elite vs. Others
See the Difference: DSCR Elite vs. Others
|
Banks / Private Lenders | |
|---|---|---|
| Time to Close | 2-4 weeks | 3-5 weeks |
| Interest Rate | Starting at 5.25% | Starting at 7.75% |
| Ownership Seasoning | None | 3-6 months |
| First-Timer (incl. short term rental) | OK | Primary residence & experience required |
| Vacant Property | OK (incl. Cash-Out) |
Lease/Tenant required |
| Transferred Appraisal | OK if “As-Is” (no transfer letter required) |
If allowed, transfer letter required |
| Low Appraisal? | Qualify off higher leased amount w/ 2 months receipt | Tough luck |
Frequently Asked Questions
What is DSCR?
DSCR, or Debt Service Coverage Ratio, measures the annual cash flow of a rental property by comparing rental income to expenses - including loan payments, taxes, insurance and HOA dues. It's how DSCR loan lenders determine whether your investment property generates enough income to cover its debt obligations.
What is a DSCR Elite loan?
A DSCR Elite loan is a private DSCR loan for investors secured by real estate that is strictly for business or investment purposes. Unlike traditional loans, it's underwritten primarily based on the property's performance - not your personal income - making it a true no-income DSCR loan option for real estate investors.
What is the minimum credit score for a DSCR Elite loan?
Our investment property loans require a minimum credit score of 600. Even if your score is on the lower end, our private DSCR lenders specialize in flexible underwriting that considers the strength of the property itself, not just credit.
What is the minimum down payment for a DSCR Elite loan?
Down payments start as low as 15%, depending on loan purpose and property type. Whether you're buying a rental or seeking a DSCR loan after bank denial, DSCR Elite provides competitive leverage for experienced and first-time investors alike.
I’m looking to buy my first rental property, can I get a DSCR Elite loan?
Yes, DSCR Elite loans are first-time investor friendly - with no restrictions or limits for new borrowers. Our team helps new investors secure DSCR loans for investors who are just starting their path to financial freedom.
Can I get a blanket DSCR Elite loan?
Yes, DSCR Elite offers blanket portfolio DSCR loans for investors who want to finance multiple rental properties at once. The qualification process is similar to a single-property DSCR Elite loan, but all properties must be in the same state and have a minimum value of $75,000 per property. It's an efficient way to scale your holdings under one streamlined loan structure.
I have a bankruptcy or foreclosure in my history, will that prevent me from closing on a DSCR Elite loan?
No - it won't. DSCR Elite loans are designed for real-world investors, and we understand that credit challenges happen. Our private DSCR lenders work with borrowers who have prior credit blemishes. You may pay a slightly higher rate, but we strive to find a loan solution for every qualified investor.
I am not a U.S. citizen, can I qualify for an investment property loan with LoanTap?
Yes. We work with both non-U.S. citizens and foreign national investors under certain conditions. Permanent or non-permanent resident aliens may qualify directly. Foreign nationals living outside the U.S. can qualify if the borrowing entity is an LLC and 50% or more of the ownership is held by a U.S. citizen or green card holder. LoanTap specializes in helping international investors access the best DSCR loans for investors with clear, transparent guidance every step of the way.
Banks Don't Get How Investors Operate. We do.
Banks Don't Get How Investors Operate. We Do.
Bring us your DSCR loan Term sheet from another lender or broker - LoanTap will match or beat it!
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Insight Finance Group LLC DBA LoanTap
1100 Brickell Bay Dr.
Miami, FL 33131
(786) 774-0411