Built for Real Estate Investors. No W-2s. No Tax Returns. No Personal Income Verification.

If you're a real estate investor with a strong rental property but complex personal income, a DSCR loan is the smartest financing tool available. At Onyx Capital Lending, we've funded over $300 million in investor loans — and DSCR is one of our most powerful programs.

What Is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan qualifies you based on the income the property generates — not your personal tax returns, W-2s, or employment history.

The formula is simple:

DSCR = Monthly Rental Income ÷ Monthly Debt Payment

A DSCR of 1.0 means the property pays for itself. A DSCR above 1.0 means it generates profit on top of the mortgage — and that's all we need to approve your loan.

Who Is a DSCR Loan For?

✅ Real estate investors with multiple properties

✅ Self-employed borrowers with write-offs that reduce taxable income

✅ Investors who can't show "traditional" income on paper

✅ Foreign nationals investing in US real estate

✅ Borrowers who've been turned down by conventional lenders

✅ Anyone scaling a rental portfolio quickly

Onyx Capital Lending DSCR Loan Highlights

FeatureDetailsMinimum DSCR1.0 (property must cover its own debt)Loan Amounts$100K – $5M+Property TypesSingle-Family, 2–4 Units, Short-Term Rentals (Airbnb/VRBO)Down PaymentAs low as 20%Loan Terms30-year fixed, ARM options availableInterest-OnlyAvailableNo Tax Returns✅ Never requiredNo W-2 or Pay Stubs✅ Never requiredAvailable In48 StatesClose InAs fast as 14–21 days

Why Investors Choose Onyx Capital Lending

Speed — We close in as little as 14 days. When deals move fast, your lender has to move faster.

Flexibility — We work with investors who have been turned down elsewhere. Complex tax situations, LLCs, multiple properties — no problem.

Experience — Founded in 2016, we've funded over $300 million in real estate investor loans across 48 states. We know this product inside and out.

No Red Tape — We're a non-QM lender. That means no agency guidelines, no income verification delays, and no bureaucratic underwriting.

How the DSCR Approval Process Works

Step 1 — Submit the Property — Share the address, rental income (lease or market rent estimate), and purchase price.

Step 2 — We Run the Numbers — We calculate the DSCR and confirm the loan fits our program in minutes.

Step 3 — Get Pre-Qualified — No credit pull required at this stage. Just tell us about the deal.

Step 4 — Close Fast — Once approved, we move to appraisal and closing. Most deals close in 2–3 weeks.

Frequently Asked Questions

Can I use projected rental income if the property is vacant?
Yes — we can use market rent from a licensed appraiser's rent schedule if the property is not currently leased.

Can I hold the property in an LLC?
Absolutely. We lend to LLCs, LPs, and corporations. In fact, we encourage it for liability protection.

What credit score do I need?
Most DSCR programs start at a 620 credit score. Better rates are available above 700.

Can I refinance an existing rental into a DSCR loan?
Yes — both purchases and cash-out refinances are available.

Does Onyx Capital Lending do short-term rentals (Airbnb)?
Yes. We use either actual rental history or a market rent analysis for STR income.

Ready to Get Started?

Stop letting your tax returns hold back your portfolio. If the property cash flows, you qualify