Private Lending Specialist · Colorado · No DTI · No Tax Returns (720) 422-1571
DSCR Rental Loans · Colorado

Qualify on rent,
not your tax return.

Summit Coast Capital's DSCR program lets rental property investors borrow based on what the property earns — not what you earn. No personal income verification. No DTI calculation. Just the cash flow.

30-yrFixed term
No DTIRequired
No taxReturns needed
ColoradoMarket served
Loan parameters
Loan term30-year fixed
Qualification basisProperty cash flow
Personal DTI requiredNone
Tax returns requiredNone
W-2s / pay stubsNone
Min. DSCR ratio1.10 (1.25 preferred)
Min. loan amount$100,000
Max. loan amount$3,000,000
Property typesSFR, 2–4 unit, condo, STR
Entity lendingLLC / Corp welcome
StatesColorado
Minimum credit score: 620+ preferred. Foreign nationals considered case-by-case.
Get a DSCR quote in 24 hours →
Understanding DSCR
What is a DSCR loan and why does it matter?

DSCR stands for Debt Service Coverage Ratio. It's a single number that tells a lender whether your rental property generates enough income to cover its own debt service — and it's the only qualification metric that matters for this program.

Traditional lenders look at your personal income, your W-2s, your tax returns, and your debt-to-income ratio. That system fails self-employed investors, landlords with multiple properties, and anyone whose income looks complicated on paper. DSCR loans bypass all of that entirely.

If the rent covers the payment — or comes close — the property can qualify. That's the whole model.

The DSCR formula
Gross monthly rent
PITIA (monthly payment)
=
DSCR
PITIA = Principal + Interest + Taxes + Insurance + HOA
Example: A Denver rental earns $2,400/month. The full PITIA payment is $1,850/month.

DSCR = $2,400 ÷ $1,850 = 1.30 — this deal qualifies comfortably.
Who we fund
Built for landlords the bank doesn't understand

If your income is real but doesn't look clean on paper, DSCR is probably the right tool for you.

🏢
Portfolio landlords
You own 3, 10, or 30 rentals. Your personal DTI looks terrible because of depreciation and paper losses. DSCR ignores all of that — each property stands on its own cash flow.
💼
Self-employed investors
Your business write-offs legally reduce your taxable income — which is great for the IRS, terrible for a conventional loan application. DSCR doesn't care what your Schedule C says.
🏖
Short-term rental operators
Airbnb and VRBO properties often cash-flow 2x or 3x a long-term rental — but conventional lenders won't count that income. We use actual or projected STR gross rent for qualifying.
🔄
BRRRR investors
You've rehabbed and stabilized the property. Now you need to refinance out to redeploy capital. DSCR is the standard exit for BRRRR — no income docs, just a rent roll and a lease.
🌐
Foreign nationals
US income documentation can be impossible to obtain for international investors. We consider foreign national borrowers on a case-by-case basis — contact us with your scenario.
🏗
Fix-to-rent investors
You flipped it, now you want to hold it. DSCR is the natural refinance exit from a short-term bridge or hard money loan — locking in long-term rates once the property is stabilized.
DSCR calculator
Does your deal qualify?

Enter the property's monthly rent and estimated payment to see your DSCR instantly. A score above 1.10 generally qualifies; 1.25+ is preferred.

Monthly PI
—
Total PITIA
—
DSCR ratio
—
Enter rent, loan amount, rate, and taxes/insurance to calculate your DSCR ratio.
DSCR vs. conventional
Why landlords choose DSCR over traditional financing

Side-by-side comparison of what each program actually requires — and what it ignores.

Qualification factor Conventional bank loan DSCR loan (Summit Coast)
Income verification W-2, pay stubs, or 2 years tax returns required ✓ Not required — property income only
Personal DTI Must be under 43–50% including all debts ✓ Not calculated — irrelevant
Tax return review 2 years required; write-offs hurt your approval ✓ Not required
Rental income counting Typically 75% of rent, offset by existing liens ✓ 100% of gross rent used
Number of properties Fannie/Freddie limit: 10 financed properties ✓ No portfolio size limit
LLC / entity borrowing Usually not allowed — personal name only ✓ LLC, Corp, partnership welcome
Short-term rental income Rarely accepted; most lenders use long-term rate ✓ STR income considered
Closing time 30–60 days typical ✓ 5–7 business days
Approval factor You (income, credit, employment) ✓ The property (cash flow, value)
Underwriting criteria
What we look at — and what we don't

DSCR underwriting is simpler than you think. Here's the full picture.

What we review
  • Current lease or market rent analysis (for vacant properties)
  • Property appraisal or BPO for current value
  • DSCR ratio: rent ÷ PITIA (minimum 1.10)
  • Credit score (620+ preferred; exceptions considered)
  • Property type: SFR, 2–4 unit, condo, STR, small multifamily
  • Title and insurance documentation
  • Property condition (must be rentable at close)
What we don't require
  • Personal income verification or employment history
  • W-2s, pay stubs, or bank statements for income
  • Tax returns (1040, Schedule C, or Schedule E)
  • Debt-to-income ratio calculation
  • Owner-occupancy (investment property only)
  • US citizenship (foreign nationals considered)
  • Fannie/Freddie conforming loan limits
Common questions
DSCR loan FAQ
What's the minimum DSCR you'll accept?
We generally require a minimum DSCR of 1.10, meaning the property earns at least 10% more than its total monthly payment. Our preferred ratio is 1.25 or above. In some cases, we'll consider deals at or just below 1.0 if the overall equity position and borrower profile are strong — submit your scenario and we'll assess it directly.
Can I use projected rent for a vacant property?
Yes. For vacant properties, we use a market rent analysis (from the appraisal or a comparative rental analysis) to determine the qualifying rent. The property doesn't need to be currently leased — it needs to be in rentable condition and supported by market data.
Does my existing debt load affect DSCR qualification?
No. Because DSCR loans don't calculate personal DTI, your other liens, car payments, credit cards, and personal debts have no bearing on qualification. Each rental property is evaluated in isolation — what it earns vs. what it costs to finance.
Can I use a DSCR loan to refinance out of a hard money loan?
Absolutely — this is one of the most common use cases. If you used a fix and flip loan to acquire and rehab the property, and now want to hold it as a rental, a DSCR refi is the standard exit. The property must be stabilized (tenant in place or lease-ready) at time of closing.
Do you lend to LLCs and corporations?
Yes, and we encourage it. Holding investment properties in an LLC is standard practice for liability protection. Our lending partners fund directly to entities — LLCs, S-Corps, partnerships — without requiring a personal guarantee in most cases. Discuss your structure when you submit.
What property types qualify?
We finance single-family rentals (1–4 units), condos, townhomes, and short-term rental properties in Colorado. We consider small multifamily (5–10 units) case-by-case. We do not finance commercial or mixed-use properties under the DSCR program.
How does Summit Coast handle short-term rental (Airbnb/VRBO) income?
We accept STR income for DSCR qualification. We typically use 12-month trailing gross revenue from the platform, or a market STR rent analysis if the property is new to short-term rental. Many lenders won't touch STR income — we've built our underwriting to handle it properly.
24-hour review
Submit your DSCR rental deal

Tell us about the property and the rent. We'll model it, run the DSCR, and get back to you within one business day with a real answer.

  • No tax returns or income docs needed to get started
  • Principal reviews every submission personally
  • Quote within 24 hours — no automated scoring
  • LLC and entity borrowing welcome
  • STR / Airbnb properties accepted
  • Close in 5–7 business days from term sheet
Your information is confidential and never shared. Submitting does not obligate you to proceed with any loan.