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Business Purpose Lending

Scale Your Rental Portfolio Without Income Docs, DTI Limits, or Red Tape

Fast, flexible DSCR financing built for real estate investors.

If the property generates rent, you qualify. No W-2s. No tax returns. No employment history — just deals that close.

Submit a Deal See How It Works

Get a Quote Today

We'll structure your deal in 24 hours or less.

No credit pull required. Expect a response within 24 hours.

✅

Got it — we'll be in touch!

Expect a call or email within 24 hours to discuss your deal.

DSCR 0.75+ Minimum Ratio
600+ Min Credit Score
LLC OK Entity Vesting
STR ✓ Airbnb / VRBO
37 States Coverage
Market Intelligence

The Investors Winning Right Now Understand Financing

Rates may be higher — but opportunities are everywhere. Smart investors are:

Locking in below-peak pricing

Less buyer competition means better acquisition prices. The deals are there for those with financing in place.

Using DSCR to bypass income limits

No W-2 caps, no tax return write-off problems. The rental income is all that matters.

Planning to refi when rates improve

Buy now at good purchase prices. Refinance into better terms when the rate environment shifts.

The key isn't timing the market. It's having the right loan structure.

Simple Qualification

If the Property Cash Flows, You Qualify

No
Tax Returns
No
Income Calculations
No
Employment Verification

Does the property support the debt? If it does — we can structure it.

Loan Features

Flexible Capital Built for Real Investors

We structure deals that conventional lenders won't touch. Here's what's on the table for qualified borrowers:

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DSCR Below 1.0 Allowed RARE
✓
True No-Ratio Options Available
✓
Credit Scores Starting at 600
✓
Short-Term Rentals (Airbnb, VRBO) STR
✓
LLC & Entity Vesting Accepted
✓
Fast Closings to Keep You Competitive
Investment rental property
The Opportunity Reframe
This Market Is Creating the Next Wave of Portfolio Growth
  • Keep buying while others hesitate — lock in lower acquisition costs
  • Use flexible financing to stay active in a market others sit out
  • Reposition later when rates improve and equity is already built

Waiting costs more than acting.

Why EZ DSCR

We Work With Deals Others Pass On

Most lenders look at your W-2 and stop there. We look at the deal — the property, the rent, the cash flow.

Whether you're self-employed, running everything through an LLC, or buying your tenth rental property, we structure deals that fit your situation — not the other way around.

If the property makes financial sense, we'll find a way to get it done.

Submit Your Deal
How It Works

From Scenario to Closing — Fast

Three steps. No runaround. No 30-day waits.

1

Submit Your Deal

Drop your scenario using the form above. Purchase, refi, or cash-out — give us the basics and we'll get to work on structuring it.

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2

We Structure the Loan

We find the best rate and structure for your deal and present you with clear options. You pick what works.

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3

Close & Scale

Close the deal, collect the keys, and move on to the next property. Repeat until you've built the portfolio you're after.

Have a Deal? Let's Structure It.

Even if it doesn't fit the box — we'll find a way.

Submit a Scenario Talk to Us Directly