NMLS #2687393  |  Consumer Access
🏢 Investment Lending

Buy investment property with rental income — not your paycheck.

DSCR loans qualify you based on what the property earns, not your W-2s or tax returns. Perfect for building a real estate portfolio without the paperwork nightmare of traditional mortgages.

Get Your Quote Now

Why DSCR Loans Work for Investors

Financing that scales with your portfolio, not your personal income.

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Property Cash Flow, Not Your Pay Stubs

DSCR stands for Debt Service Coverage Ratio. If the property's rental income covers the mortgage payment, you can qualify — regardless of your personal income or employment.

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No Tax Returns Required

Skip the stacks of W-2s, 1099s, and two years of tax returns. DSCR lenders look at the property's income potential, not your personal financial history.

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Scale Your Portfolio Faster

Traditional lenders cap you at a handful of mortgages. DSCR loans let you keep buying as long as the numbers work — ideal for investors ready to grow.

Close in as Little as 2-3 Weeks

Without the income verification paperwork slowing things down, DSCR loans often close much faster than conventional mortgages.

📈 Partner Program

Become a Designated Loan Originator

Real estate agents: earn referral income by originating DSCR loans for your investor clients. Get your unique referral link and start earning.

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Join the DLO Program

Get your unique referral link and track every lead you send our way.

Welcome to the DLO Program!

Here's your unique referral link. Copy and share it with your investor clients:

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Get a DSCR Loan Quote

Tell us about your property and we'll connect you with a DSCR lending specialist — no obligation, no hard credit pull.

Request Received!

A DSCR lending specialist will reach out within 24 hours with options tailored to your property.

DSCR loans are for investment properties only — not primary residences. Rates and terms vary by lender. Apex Home Capital connects you with lending partners and does not originate loans directly.