No Income Verification & DSCR Loans
Investor mortgages that use property cash flow — not personal income — to qualify. No income documentation required. Ideal for self-employed and complex income borrowers.
Get Pre-Approved →
Investor mortgages that use property cash flow — not personal income — to qualify. No income documentation required. Ideal for self-employed and complex income borrowers.
Get Pre-Approved →Min. Down Payment
20%
Property Type
Investment Only
Min. Credit Score
680+ Domestic
Income Docs
Not Required
DSCR (Debt Service Coverage Ratio) loans qualify you based on the property's rental income, not your personal income. Perfect for investors who have complex tax returns or multiple income streams that are hard to document traditionally.
Real estate investors who want qualification based on property cash flow
Self-employed borrowers with complex income structures
Foreign Nationals eligible with additional requirements
Investors building rental portfolios without income doc hurdles
No-income-verification loans let real estate investors qualify for financing without submitting tax returns, W-2s, or pay stubs. The most common version is the DSCR loan (Debt Service Coverage Ratio), which underwrites the property itself rather than your personal income. These programs are built for investors, self-employed borrowers, and foreign nationals whose earnings are hard to document traditionally. They apply to investment properties only — long-term rentals, short-term and Airbnb rentals, and 1-4 unit buildings — not primary residences.
Instead of verifying personal income, lenders compare the property's expected rental income to its mortgage payment. When the rent reasonably covers principal, interest, taxes, and insurance, the property can support the loan. Underwriting typically focuses on the appraisal, a market rent analysis, your credit profile, and reserves, with a down payment generally expected on investment purchases. Foreign nationals can qualify with additional documentation. Because the property carries the qualification, complex tax returns and multiple income streams no longer create hurdles.
Swiftlend is a licensed Florida mortgage broker (NMLS #402985) based in Miami, and we arrange DSCR and no-income-verification financing through our investor-focused lender partners. Florida's strong rental and short-term-rental market makes cash-flow lending especially popular here, from Miami condos to statewide portfolios. We match your property and goals to the right program and structure. Tell us about the property and we'll get you pre-approved — call (305) 985-4889 to start.
Share the property, purchase price or value, and your expected rent. We review your credit and goals, confirm the deal is investment-use, and estimate the debt service coverage so you know where you stand before you go further.
Rather than tax returns, you provide identification, bank statements for reserves, and property details. The lender underwrites the file on the property's cash flow and your credit, with extra documentation for foreign national borrowers.
A licensed appraiser values the property and completes a market rent analysis. This confirms the property's value and the rental income the lender uses to measure the debt service coverage ratio for the loan.
Once underwriting clears the property and file, we coordinate title, insurance, and final terms, then schedule your closing. You sign, fund, and take ownership — ready to rent, host, or add the property to your portfolio.
No fees. No commitment. No fine print. Just a clear answer on what you qualify for — today.