Bonus: DSCR Loans Explained (Finance Rentals Without Tax Returns, Bank Statements, Or Pay Stubs)
Update: 2025-07-10
Description
On this episode, Caeli Ridge breaks down how to buy a rental property using a DSCR loan — a type of financing where the lender doesn’t care about your personal income.
Instead, the loan is based on the income the property will generate. Caeli walks us through real examples of what kind of purchase price and rent numbers make a deal work, how lenders determine expected rent, and what kind of down payment you'll need. We also cover:
1-855-747-4343
info@ridgelendinggroup.com
RidgeLendingGroup.com
Thanks To Our Sponsor:
RentalTrial - Rental accounting software made easy
- No tax returns.
- No pay stubs.
- No bank statements.
Instead, the loan is based on the income the property will generate. Caeli walks us through real examples of what kind of purchase price and rent numbers make a deal work, how lenders determine expected rent, and what kind of down payment you'll need. We also cover:
- The types of properties that qualify
- How DSCR loan rates compare to traditional financing
- Prepayment penalties to watch out for
- Whether cash-out refis are possible with this loan type
1-855-747-4343
info@ridgelendinggroup.com
RidgeLendingGroup.com
Thanks To Our Sponsor:
RentalTrial - Rental accounting software made easy
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