Qualify on
Rental Income,
Not Tax Returns.
Leverage your property's rental income to qualify. No tax returns. No DTI. Close faster.
No
Tax Returns Required
30yr
Fixed-Rate Terms
80%
Max LTV
$5M+
Max Loan Amount
Testimonials
What Our Clients Say
“Thank you for connecting us with ideal lender and making the whole process hassle free by being on top of everything with constant communication. We are already working with Jada on our second property!! Cannot recommend Jada Thoele enough.”
“Definitely some of the best people to work with, very well educated, super kind and helpful. Can't wait to do some more!”
“Working with Jada and her team to secure a DSCR loan for my refinance was seamless. They were fast, responsive, and made the process incredibly smooth from start to finish. I'd absolutely recommend them to any investor looking for a reliable financing partner.”
“The loan process was very smooth and quick and they helped me along the way with great communication. Jada and her team are really some of the best to work with.”
Close your next investment property in
three simple steps.
From application to closing — faster than traditional lenders, with zero income verification.
Submit Your Documents
Property details and rental income docs. No tax returns or W-2s needed.
Get Your DSCR Quote
We calculate your DSCR ratio and match you with the best rate.
Close & Cash Flow
Close quickly and start generating cash flow from day one.
Why OneOrbit
Built for investors who want to scale.
Whether you own 1 property or 100, grow your portfolio without traditional lending barriers.
No Personal Income Required
Qualify on the property's rental income alone. No W-2s or tax returns.
Close as Fast as 21 Days
Less waiting, more investing. Get to the closing table fast.
Unlimited Properties
No cap on financed properties. Scale as big as you want.
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio. It compares a property's rental income to its total mortgage payment. A DSCR above 1.0 means the property generates more income than the debt costs — making it easy to qualify.
The Formula
Example Calculation
Typical Requirements
Minimum DSCR: 1.0
Lower ratios may qualify with rate adjustments
Credit Score: 660+
Better scores unlock better rates
Down Payment: 20-25%
Up to 80% LTV on purchase or refinance
Property Types: 1-4 Unit, Condos, Townhomes
Investment properties only (no primary residence)
Loan Amounts: $100K - $5M+
Flexible sizing for any portfolio strategy
Common questions about DSCR loans.
Ready to scale your rental
portfolio?
Get pre-qualified in minutes. A loan specialist will reach out within 24 hours.