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DSCR

DSCR Loans — Finance Rental Properties Without Tax Returns

Traditional lenders qualify investors using personal income and tax returns.

But many real estate investors show little income on paper.

DSCR Prime qualifies investors based on the property’s rental income — not personal tax returns.

Built for real estate investors who want to grow their portfolio without complicated income documentation.

If the property cash flows, you can qualify.

Fast approvals. Flexible underwriting. Designed for real-world investors.

How DSCR Loans Work

DSCR stands for Debt Service Coverage Ratio.

nstead of verifying personal income, lenders evaluate whether the property’s rental income covers the mortgage payment.

DSCR Prime qualifies investors based on the property’s rental income — not personal tax returns.

If the rent supports the loan payment, the property qualifies.

This allows investors to:

• Purchase rental properties faster
• Scale their portfolio without tax return limitations
• Qualify using property performance instead of personal income

Who This Program Helps

Ideal for:

      ✅ Real estate investors purchasing rental property

      ✅ Investors expanding their rental portfolio

      ✅ Self-employed borrowers with complex tax returns

      ✅ Borrowers who write off significant income

      ✅ Foreign nationals investing in U.S. real estate

Starting DSCR Rates From

6.00%

Example scenario:
A 30-year fixed DSCR loan based on an $800,000 purchase price with a $400,000 loan amount, 740 FICO score, and a 1.25 DSCR on a single-family rental property. Rates vary depending on credit profile, property type, and loan structure.

PROGRAM REQUIREMENTS AT A GLANCE

Program Highlights

20% Down

Minimum Down

680+ FICO

Credit Requirement

Up to $2.0M Loan

Max Loan Amount

No Tax Returns

Based on Rental Income

See What You Qualify For

Get Loan Help Fast

Fast response • No pressure • No hard credit check
Built for self-employed borrowers, 1099 earners & investors — even if traditional lenders said no.

Safe & private — we never share your info

"I had the pleasure of working with Hugh for my home loan, and I am beyond impressed with the service I received. Hugh made the entire mortgage process smooth, transparent, and stress-free, and I highly recommend him!
Linh V.Santa Monica, CA
" Hugh is Incredible guy, to the point, on the top of his game, friendly, easygoing, ready to help, and open to answer any questions with positive altitude. Hugh been my lender, everything changes to the right direction
Peniel B.Inglewood, CA
" Charlie helped my parents re-finance our home. According to my parents, he is very accommodating, friendly, and easy to work with. Very trustworthy too. My parents highly recommend him.
Adrienne R.Granada Hills, CA
" Hugh is very helpful and is a true professional of his field. He goes out of his way to help his clients and I am very happy with the services he provided to me. He really cares about his clients.
John P.Riverside, CA
" With great appreciation to you and your team for making this process so effortless and stress free. I have already recommended you to three of my friends.
Rosie G.Beaverton, OR
" Hugh and the Home Loan Source team were exceptional through the home buying process! Tons of communication, which we needed as first time home buyers! We had a quick 30 day escrow, and there was never a moment where they weren't touching base with us to make sure we knew what was going on.
Matthew H.Whittier, CA
" Hugh helped us get a great loan last year and we just refinanced and closed few days ago. Hugh will go out of his way to help you every step of the way. He treats everyone fairly and like a family member. All transactions were smooth and explained every step of the way. He is available day or night and there is no silly question.
Daniel H.Norwalk, CA
" Hugh and his team are amazing! They are very customer service oriented. Hugh goes way out of his way to make himself available during all hours. He answers questions very quickly and gets to the bottom of anything that needs a little digging.
Chris C.Newport Beach, CA
" Hugh Wang did a great, impressive and trustworthy job. He got me qualified for my loan of the property i wanted to purchase. The process was very smooth coz of his excellence and knowledge throughout the process. I am really 100% satisfied and would recommend the Home Loan Source if you are planning to be qualified for a loan.
Dang G.Los Angeles, CA
" I refinance my house with Hugh, first I need yo mention that I'm a worrier, and this is a big deal for me because it was my first time doing this process, but Hugh disperse any doubts right away going out of is way, even working late, because of the COVID-19 we did everything over the phone which it make it more stressful but Hugh was always helpful!
Diana C.San Francisco, CA
" Far beyond an amazing team to work with. Mr. Wang went above and beyond our expectations. It was an amazing experience. They're very professional and trustworthy people to work with.
Claudia O.Los Angeles, CA
" Been using Hugh for my home loan needs for over 10 years and it's been nothing but a pleasure working with him and his staff. Closing a 45 day escrow today because the house was under 3 different trusts so needed the extra time just in case with so many decision-makers on the selling side but Hugh had the loan ready to close in 21 days!
Summy V.San Gabriel, CA
" Hugh helped us with our Mortgage Refinancing. We would highly recommend Hugh for all mortgage needs. He is very Honest, Helpful and Trustworthy. He doesn't consider you as a client instead He made us feel like Family. He is always available for any questions and concerns.
Melchor C.Corona, CA
" Couldn't ask for better service! Hugh Wang was on top of everything during our loan process. The Home Loan Source was able to open and close escrow in only 3 weeks! Hugh made it as smooth and as simple for us as possible. What we appreciated most is that Hugh was very dedicated to our file...meeting with us on the weekends and working during the late evenings just to make sure everything is in place and that we would meet the escrow deadlines and requirements.
Linda N.Anaheim, CA
" It's alway a pleasure working with Hugh, great service, easy to understand, and very trustworthy! Will surely recommend to others. Keep up the excellent service!
Jojo S.Carson, CA
" Hugh and his team provided excellent service for our new purchase. 5 stars for communication, timeliness, and transparency throughout the transaction. We closed on time and exactly "on the numbers" and we are thrilled with our new home.
Chris K.Costa Mesa, CA
" Hugh facilitated all the information exchanges, helped explain our circumstances to the lender, and likely saved us from having to provide redundant/repetitive documentations. He is knowledgeable, courteous, energetic, and thoroughly professional.
Paul L.La Canada Flintridge, CA
" Hugh and Mariana were fantastic! I appreciated their diligence in sourcing the best funding solution for me, guiding me through the many issues, offering options, and always communicating with me to provide regular updates to apprise me if there status of my loan application. Their hands-on customer-focused attention to the details is outstanding.
Dr. Sandie A.Redwood City, CA
" Hands down the best Mortgage Broker team around. Hugh Wang and his team at The Home Loan Source got me qualified and in the home of my choice in no time. Hugh was honest and fair in my assessment on what I could be approved for, and through out the whole process was there for me even when it had nothing to do with my home loan. This kind of integrity is hard to find, but Hugh and his team exhibited it daily in my dealings with them.
Emanuel A.Downey, CA
" Home Loan Source Company is best mortgage company I have found to get my home mortgage. In past, I had been pre-approved from other loan companies but I can vow that Hugh Wang of Home loan source is best mortgage person I can trust in getting my home mortgage done. He is very reliable, trust worthy with best customer service. He has very quick response time and answered all my questions until I understand without getting tired of me.
Anand M.Sacramento, CA
" Hugh and his team are great, from the very beginning They were exceptional with game planning, communication, and getting things done quickly. I kept having road blocks popping up in my refi process but hugh always kept in touch to let me know what was going on and that he would get us around them. Sure enough, in no time we were cleared to close. It was a such a relief.
Richard C.Santa Ana, CA
" Hugh went above and beyond my expectations. I was able to refinance my home at a good rate because of Hugh. He is very professional and very reliable. Hugh returned all my calls and responded to my emails and text messages right away. There were times when I called him after office hours to ask some questions, but he didn't mind talking to me at all. He took his time to answer my questions and explain things properly.
Keith D.Los Angeles, CA
" i highly recommend mr. hugh wang he helped me with the purchase of my first home and helped me with a streamline refinance and a second refinance on my property to lower my interest and mortgage payment mr. wang is a class act he is very effective at what he does made our lives better than what it was before don't think about it he wont let you doown.
Luis T.Anaheim, CA
" Hugh and his team are one of the best mortgage lenders to work with. They were there for me every step of the way and walked me through it from beginning to end, twice! They were available day, night and weekends. Hugh is very thorough with any questions you have on how it works, which is a plus.
Anna S.Corona, CA

For mortgage industry professionals only. Not all applicants will quality. Assets must be veritied. This is not a commitment to lend.
Loan terms, conditions, and guidelines are subject to change without notice. All loans are subject to credit and underwriting approval.

Mortgage Rates Disclosures

 

The advertised loan is a 15-year Fixed Rate Loan with a 15-year fully amortizing term. The interest rate is 5.250% for 180 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.755% APR with a monthly principal and interest payment of $5,838 for 180 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. Interest rate quoted assumes a purchase of a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.


The advertised loan is a 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.545% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 60% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

The advertised loan is an FHA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 6.437% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase at 80% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes, hazard insurance, or mortgage insurance; actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

This is a VA program. Current guidelines for VA Financing can be found at https://www.benefits.va.gov/homeloans/index.asp . The advertised loan is a VA 30-year Fixed Rate Loan with a 30-year fully amortizing term. The interest rate is 5.250% for 360 months. The disclosed APR is based on the payment of 3.000 discount points. For a $726,200 loan, there is a 5.882% APR with a monthly principal and interest payment of $4,010 for 360 months. Interest rate quoted assumes a purchase with 45 day lock pricing at 100% loan-to-value (LTV), a minimum FICO score of 740 on a primary residence. The actual interest rate, APR and payment may vary based on the specific terms of the loan selected, verification of information, your credit history, the location and type of property, and other factors as determined by Lender. Not available in all states. Payments shown do not include taxes or insurance, actual payment obligations will be greater. Not all applicants will qualify. Rates and terms are effective 9:00AM PT on 9/18/2024 and are subject to change without notice.

Refinance: By refinancing your existing loan, your total finance charges may be higher over the life of the loan.