Question 1

What is a DSCR loan?

Accepted Answer

A DSCR (Debt Service Coverage Ratio) loan qualifies you based on your rental property's income rather than your personal income. No W-2 or tax returns are required. If your property generates more rent than it costs to finance, you can qualify.

Question 2

How fast can Onyx Capital Lending close a loan?

Accepted Answer

We can close most hard money and fix & flip loans in as little as 10 business days. Speed depends on the complexity of the deal and documentation turnaround.

Question 3

Does Onyx Capital Lending lend in my state?

Accepted Answer

Yes. Onyx Capital Lending provides investment property loans in 48 states across the U.S.

Question 4

What is the minimum credit score for a hard money loan?

Accepted Answer

Most of our programs require a minimum FICO score of 620. We evaluate the deal as a whole, not just the credit score.

Question 5

Do I need tax returns to qualify?

Accepted Answer

No. For DSCR loans and most hard money programs, we do not require personal tax returns or W-2 income verification. The property's cash flow is the primary qualification factor.

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