Mach1 Capital

DSCR loans qualified on cash flow.

A debt-service coverage ratio (DSCR) loan is qualified on what the property earns, not on your tax returns or W-2s. It's built for investors growing non-owner-occupied rental portfolios. Mach1 Capital arranges DSCR loans nationwide, with especially active markets in Texas and Florida.

Loan amounts
$500K+
Qualified on
Property cash flow (DSCR)
Leverage
Up to 70% LTV residential
Reach
Nationwide
Pre-qualify562.261.3259

What DSCR loans are used for

  • Buying single-family and 2–4 unit rentals
  • Refinancing rentals into long-term debt
  • Cash-out refinances to fund the next acquisition
  • Build-to-rent exits after construction
  • Portfolio loans covering several rentals

A strong fit for

  • Investors with non-owner-occupied rentals
  • Self-employed borrowers and complex tax returns
  • Build-to-rent developers refinancing out of construction

How DSCR is calculated

DSCR compares the property's rental income to its debt payments — principal, interest, taxes, insurance, and any HOA dues. A ratio above 1.0 means the rent covers the payment; lenders set their own minimums and price stronger coverage better.

Because the property qualifies the loan, self-employed investors and those with complex returns can scale without the documentation a conventional mortgage requires.

Come prepared, close faster.

To quote your deal

  • Detailed loan request summary
  • Property address & purchase date
  • Amount owed & as-is value
  • Requested loan amount & term
  • Target LTV & loan exit strategy
  • Credit / FICO score

Supporting documents

  • Personal financial statement (PFS) & REO schedule
  • Sources & uses of funds breakdown
  • Resume of experience
  • Current mortgage statement
  • Rent roll / copy of lease · P&L for 2 years
  • Purchase agreement (if bought within 1 year)

For final underwriting

  • 1003 application & authorization form
  • Evidence of insurance (EOI)
  • Entity docs · Phase 1 report (if available)
  • We coordinate escrow & title

DSCR loans: FAQ.

What is a DSCR loan?
A loan for non-owner-occupied rental property that's qualified on the property's debt-service coverage ratio — its rental income versus its debt payments — rather than the borrower's personal income.
Do I need tax returns for a DSCR loan?
Generally no. The property's cash flow qualifies the loan. Lenders still review credit, assets, and experience.
Can I use a DSCR loan for my primary residence?
No. DSCR loans are for non-owner-occupied investment property only.
Where do you make DSCR loans?
Nationwide. Texas and Florida are among our most active DSCR markets, alongside California.

Tell us about the deal.

Send the basics and we'll come back within one business day with an indicative structure, target lenders, and a path to closing.

Pre-qualify

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