How Investors Are Buying Without W-2s, Paystubs, or Tax Returns
- Michael Belfor
- 2 days ago
- 1 min read
Think buying an investment property means jumping through hoops with your CPA and hunting down every tax return since 2017?
Not anymore.
Enter: the DSCR loan (Debt Service Coverage Ratio).
This product is designed for real estate investors who care more about cash flow than tax forms.
Here’s how it works:
✅ No income docs required
✅ No employment or job history needed
✅ Qualification is based on property income, not yours
✅ Airbnb/short-term rentals are often allowed
✅ Close in 20–21 days (yes, really)
If the rent covers the mortgage (usually a DSCR of 1.0 or higher), you’re in business.
I’ve helped clients use these loans to:
Buy properties under LLCs
Pick up short-term rentals with huge upside
Scale portfolios even with complex tax situations
If you’re an investor, the DSCR loan might be the easiest path to your next door.
Let’s figure out if it’s the right fit — especially while inventory is heating up and deals are moving fast.
To jump on a call to discuss, schedule some time with me. Would love to unpack this program for you.