DSCR Loan Application

Step 1: Personal Information

DSCR Pricing Calculator

Loan Type*

Citizenship*

Income Doc*

Self-Employed

Purpose*

First Time Homebuyer

Occupancy*

Prepay Penalty*

First Time Investor*

Short Term Rental*

Property Type*

Appraised Value*

$

Purchase Price*

$

First Lien Amount*

$

LTV

%

Secondary Financing*

State*

County*

Rural Property

FICO*

No FICO

DSCR*

Months Reserves

Mortgage Lates

Bankruptcy

Foreclosure

Deed-in-Lieu

Short Sale

Escrows*

Temporary Buydown

First Name

Last Name

Email Address

Phone Number

Date of Birth

Years of Real Estate Investment Experience

Marital Status

Citizenship Status

Social Security Number

256-bit AES encrypted • Never stored in plain text

Home Address

Enter Address Manually

Street Address

Unit / Apt Number

City

State

ZIP Code

Mailing Address (Address to send mortgage statement)

Same as home address

Enter Address Manually

Street Address

Unit / Apt Number

City

State

ZIP Code

Referral Code (Optional)

If you were referred by an affiliate, enter their referral code here

Step 2: LLC Details

Most DSCR loans close in an LLC name for asset protection and tax benefits.

LLC Name *

State of Formation *

EIN (Tax ID) *

Date of Formation

LLC Business Address

Enter Address Manually

Street Address

Unit / Suite Number

City

State

ZIP Code

Your Ownership Percentage *

%

Step 3: Investment Property Details

DSCR loans are for investment properties only. Primary residences are not eligible.

Investment Property Address

Enter Address Manually

Street Address

Unit / Apt Number

City

State Not available in CA, AZ, NV, or ID.

ZIP Code

Property Type *

Loan Purpose * LTV limits vary by loan purpose

Purchase Price *

$

The agreed-upon purchase price of the property

Property is under contract

This is a renovation property

Property is currently rented

Short-term rental (Airbnb, VRBO, etc.)

Property is vacant (no current rental income)

Property Value *

$

Requested Loan Amount *

$

Monthly Rental Income *

$

Monthly Property Expenses *

$

Property taxes, insurance, maintenance, and management fees

Cash-out desired

Insurance Agent Information

Agent Name

Agent Phone

Agent Email

Live Loan Calculations

DSCR

-- Informational Only

LTV Ratio

-- Loan-to-Value

Annual NOI

-- Net Operating Income

Step 4: Document Upload

Documents required for loan processing but can be uploaded now or later via secure email link. All document uploads are optional for application submission.

DSCR Loan Document Requirements

ALWAYS REQUIRED:

Driver's License or Photo ID
Primary residence utility or phone bill
Bank statements (most recent 30 days)
LLC EIN Letter from IRS
LLC Articles of Organization
LLC Operating Agreement
LLC Letter of Good Standing (within 90 days)
Homeowner's/Hazard Insurance with rent loss coverage

PURCHASE ONLY:

Purchase Contract
Escrow Instructions (if applicable)

REFINANCE ONLY:

Lease Agreement (if applicable)
Property Management Agreement (if applicable)
Subject property Note (if private mortgage)
Payoff Demand on subject property

IF APPLICABLE:

Green Card
Parent LLC documents
HOA Certificate

Driver's License or Photo ID Government issued identification

Primary Residence Utility/Phone Bill Proof of primary residence address

Bank Statements (Most Recent 30 Days) Personal or business bank statements

LLC EIN Letter from IRS IRS issued EIN confirmation letter

LLC Articles of Organization State filed formation documents

LLC Operating Agreement Signed LLC operating agreement

LLC Letter of Good Standing Within 90 days from state

Property Insurance Declaration Hazard insurance with rent loss coverage

Purchase Contract For purchase transactions only

Escrow Instructions If applicable for purchase

Lease Agreement For refinance if applicable

Property Management Agreement If property is professionally managed

Current Mortgage Statement For refinance transactions

Payoff Demand Statement Current payoff amount for refinance

Additional Documents Green Card, Parent LLC docs, HOA Certificate, or other relevant documents

Step 5: Account Creation & Review

Communication Preferences

After submitting your application, you'll receive an email with a secure link to access your borrower portal where you can upload documents and track progress.

Receive email updates about my application status

Ready for Processing

Your application will be processed and you'll receive updates via email and your online account.

Preferred Contact Time

How did you hear about us?

Additional Comments

I acknowledge that this application will be processed for loan evaluation and understand the DSCR loan terms and requirements. I agree to the Terms of Service and Privacy Policy. *

I authorize the lender to obtain my credit report for loan evaluation purposes. *

Security Protection Active

Rate limiting protection enabled

Your submissions are protected against spam and automated attacks

Step 6: Borrower Declarations

Please answer the following questions accurately. These are standard borrower declaration questions.

Do you intend to occupy the property as your primary residence?

Yes

No

Have you had an ownership interest in another property in the last 3 years?

Yes

No

Are you currently a party to any lawsuit or legal action?

Yes

No

Have you had property foreclosed upon or given title or deed in lieu thereof in the last 7 years?

Yes

No

Have you declared bankruptcy within the past 7 years?

Yes

No

Application Submitted Successfully!

Application ID

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Submitted

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Please save these details for your records.

What happens next:

1. Review Process: We will review your application within 24 hours
2. Email Updates: You will receive email updates on your application status
3. Document Upload: You can log in anytime to upload additional documents
4. Contact: We will contact you if we need any additional information

Already applied? Access Your Application

Loan Professional? Access Broker Dashboard

Investment Property Loan Application

DSCR Loan Guidelines

Step 1: Personal Information

DSCR Pricing Calculator

--

Step 2: LLC Details

Step 3: Investment Property Details

Insurance Agent Information

Live Loan Calculations

DSCR

LTV Ratio

Annual NOI

Step 4: Document Upload

DSCR Loan Document Requirements

ALWAYS REQUIRED:

PURCHASE ONLY:

REFINANCE ONLY:

IF APPLICABLE:

Step 5: Account Creation & Review

Communication Preferences

Ready for Processing

Security Protection Active

Step 6: Borrower Declarations

Application Submitted Successfully!

Application ID

Submitted

What happens next:

Investment Property Loan Application

DSCR Loan Guidelines

Step 1: Personal Information

DSCR Pricing Calculator

--

Step 2: LLC Details

Step 3: Investment Property Details

Insurance Agent Information

Live Loan Calculations

DSCR

LTV Ratio

Annual NOI

Step 4: Document Upload

DSCR Loan Document Requirements

ALWAYS REQUIRED:

PURCHASE ONLY:

REFINANCE ONLY:

IF APPLICABLE:

Step 5: Account Creation & Review

Communication Preferences

Ready for Processing

Security Protection Active

Step 6: Borrower Declarations

Application Submitted Successfully!

Application ID

Submitted

What happens next:

Contact Information

Phone

Email

Business Hours