Build Wealth Through Real Estate — Without Income Documentation

At Freedom Choice Lending, we help real estate investors qualify for financing based on the property’s cash flow, not their personal income. Our Investor DSCR (Debt Service Coverage Ratio) Loan Programs are specifically designed for those who want to build or expand their rental property portfolio — quickly, efficiently, and with flexibility.

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What Is a DSCR Loan?

A Debt Service Coverage Ratio (DSCR) loan measures a property’s ability to generate enough rental income to cover its monthly mortgage payment, property taxes, insurance, and HOA dues.
Instead of relying on tax returns, W-2s, or pay stubs, lenders evaluate the rental income potential of the property.

This makes DSCR loans ideal for:

• Real estate investors with multiple properties
• Self-employed borrowers
• Investors who write off income on tax returns
• Anyone seeking a faster, simpler loan process

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Key Benefits of a DSCR Loan

✅ No Personal Income Documentation Required
We qualify the loan based on the property’s income potential — not your job history or W-2s.

✅ Own in Your LLC or Business Name
Protect your personal assets and build your portfolio under your business entity.

✅ Unlimited Properties
Unlike conventional loans, DSCR programs allow you to grow without restrictive property limits.

✅ Flexible Loan Options
30-year fixed, ARM, and interest-only options available for both purchases and refinances.

✅ Competitive Rates
Designed specifically for cash-flowing rental properties.

✅ Short-Term or Long-Term Rentals Eligible
Perfect for Airbnb, VRBO, or traditional long-term rentals.

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How DSCR Is Calculated

DSCR = Gross Monthly Rent ÷ Monthly Housing Expense
A DSCR of 1.00 means the property’s rent covers all expenses.
For example:

• Monthly rent: $3,000
• Mortgage, taxes, insurance: $2,700
• DSCR = 1.11 → Positive cash flow

Lenders typically look for a DSCR of 1.00 or higher, but Freedom Choice Lending also offers flexible options for lower ratios depending on your overall profile.

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Eligible Properties

• Single-Family Homes
• 2–4 Unit Properties
• Condos & Townhomes
• Short-Term / Vacation Rentals
• Multi-Family (up to 8 units with exceptions)

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Why Choose Freedom Choice Lending

As a California-based mortgage broker, we specialize in investor-focused programs. Whether you’re acquiring your first rental or expanding a large portfolio, our team provides:

• Expert guidance on structuring your deal
• Access to top DSCR lenders across the nation
• Personalized rate quotes and strategy sessions
• Fast closings and investor-friendly underwriting

We help you invest smart — and scale with confidence.

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Example Scenario

Purchase Price: $600,000
Down Payment: 20% ($120,000)
Loan Amount: $480,000
Interest Rate: 7.25% (30-year fixed)
Rent: $3,800/month
Taxes & Insurance: $700/month
DSCR: 1.12 — Approved!

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Ready to Invest Smarter?

At Freedom Choice Lending, we make investing simple, fast, and profitable.
Whether you’re building wealth through traditional rentals or short-term Airbnb properties, our DSCR Loan Programs can help you leverage real estate income — not your personal tax returns.

📞 Call us today or click below to get your Investor DSCR Loan Quote and start building your real estate portfolio.

Direct Line (562) 281-6163
Main Office (866) 587-6927
David Delgado – NMLS #349079
Presiden/CEO
Freedom Choice Lending
NMLS #1998153

Fast Approvals call (562) 281-6163
No Money Down Payment Programs
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Bank Statements, P&L Only , No Income No Tax Returns
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