For Real Estate Investors

If the numbers cash flow, you qualify. No tax returns required.

DSCR loans use the rental income of the property to qualify, not your personal income. No W-2s, no tax returns, no DTI. Plug in your numbers below to see where you stand.

Run your numbers

Monthly gross rent

Monthly PITIA (principal, interest, taxes, insurance, HOA)

Your DSCR

1.20

Strong: This deal likely qualifies

Rent$2,400

÷ PITIA$2,000

= DSCR1.20

Get my rate for this deal →

How it works

Run the ratio

Use the calculator above or send me the address, and I'll pull rent comps if you don't have a lease yet.

I match the program

DSCR guidelines vary a lot by lender. I check LTV, ratio floors, and prepay options across my lender panel.

You get a term sheet

No income docs to chase. Typical close in 2–3 weeks once title and appraisal are ordered.

Why investors use DSCR

No personal income or employment verification
Close in an LLC or other business entity
No limit on number of financed properties
Works for long-term rental and short-term (Airbnb) income
Cash-out available to fund your next purchase
Ratios below 1.0 can still qualify with some lenders

Get your rate

Tell me about the deal and I'll get back to you within one business day with real numbers, not a generic rate sheet.

First name

Last name

Phone

Property address (or "shopping / pre-approval")

Estimated DSCR (from calculator)

Loan purpose

I agree to be contacted by Matthew Valdovinos at onDemand Lending Inc. by phone, text, or email about this inquiry, including by automated dialing or texting systems. Message/data rates may apply. I understand consent is not required to obtain any product or service.

This is not a commitment to lend. See our privacy notice for how your information is used.

Privacy notice

Information you submit on this page (name, contact details, and property information) is used only to evaluate and respond to your loan inquiry. It is shared with onDemand Lending Inc. and its lending partners as needed to process your request, and is not sold to unrelated third parties. For the full privacy policy governing your information, see onDemand Lending Inc.'s privacy notice: welendondemand.com/privacy-policy.

Licensing

Matthew Valdovinos is a licensed loan originator (NMLS #2790738) with onDemand Lending Inc. (Company NMLS #2458551), licensed in the states below. Confirm current license status at nmlsconsumeraccess.org.

Arizona: Dept. of Insurance and Financial Institutions, License #LO-2015403
California: Dept. of Financial Protection and Innovation, License #CA-DFPI2790738
Florida: Office of Financial Regulation, License #LO144269
Georgia: Dept. of Banking and Finance, License #2790738
Maryland: Office of the Commissioner of Financial Regulation, License #2790738
North Carolina: Commissioner of Banks, License #I-233274
Ohio: Division of Financial Institutions, License #MLO-OH.2790738
Pennsylvania: Dept. of Banking and Securities, License #119643
Virginia: State Corporation Commission, Bureau of Financial Institutions, License #MLO-77534VA