Get Your Locked Quote in 48 Hours
Get financing for investment properties without income verification. Based on property cash flow, not your tax returns.
No Income Verification
Up to 85% LTV
7-Day Fast Closings
Purchase & Refinance
85%
Max LTV
100%
Renovation Financing
50
States, No Income Verification
$0
Upfront Fees
The Smart Way to Finance
Investment Properties
DSCR loans revolutionize real estate investing by focusing on what matters most: the property's ability to generate income.
No Income Verification
No tax returns, pay stubs, or W-2s required. Qualify based on property cash flow alone.
Cash Flow Based
Qualification is based on the property's rental income potential, not your personal income.
Lightning Fast Closings
Fix & flip in 7-10 days, DSCR in 10-14 days, hard money in 7 days. Beat the competition.
All 50 States
No income verification in all 50 states. Qualify on the property's rent, not your tax returns.
$0 Upfront Fees
You pay $0 up front. No surprises.
No Experience Required
First-time investors welcome. We guide you through the process step by step.
All benefits included with every DSCR loan
Get Real Capital. Get It Fast. Get It Right.
We help experienced real estate investors and commercial owners get funding with $0 upfront fees and no income verification in all 50 states, so you never miss another deal because of funding uncertainty.
What Investors Are Saying
Built by investors, for investors. No more ghost brokers or bank delays.
★★★★★
"Finally, a lender who actually understands deals and moves as fast as I do. No more losing properties to cash buyers."
- Sarah M., Fix & Flip Investor
★★★★★
"Other lenders kept changing terms, but Unique Capital stuck to their word."
- Mike R., Commercial Investor
★★★★★
"Closed my DSCR loan in 12 days. My bank wanted 45 days and still said maybe. These guys deliver."
- David L., Rental Portfolio Owner
Unique Capital Highlights
Everything you need to know about Unique Capital's loan program designed specifically for real estate investors.
$0 Upfront Fees - Nothing to pay up front, no surprises
Close in 7-21 Days - Faster than banks, more reliable than unreliable brokers
100% Renovation Financing - BudgetPlus reserves held in secure escrow with milestone releases
Built by Investors, For Investors
As active real estate investors ourselves, we started Unique Capital because we got tired of the same problems: lenders who change terms last minute, brokers who ghost you, and banks that treat every property like a primary residence. We work with 75+ private lenders to give investors the transparency, speed, and reliability they deserve.
Submit Your Deal
Upload property details and get matched to the best funding options in 15 minutes
Get Your Quote
See your rate, LTV and fees before you commit
Close Fast & Secure
Complete secure documentation and fund your deal in 7-21 days with real-time updates
Frequently Asked Questions
Get answers to the most common questions about our loans and how they can help grow your real estate investment portfolio.
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a type of investment property loan that qualifies borrowers based on the rental income of the property rather than their personal income. The DSCR is calculated by dividing the property's net operating income by its total debt service.
What DSCR ratio do I need to qualify?
Most lenders prefer a DSCR of 1.0 or higher, though some programs accept ratios as low as 0.75. A DSCR of 1.0 means the property's income exactly covers the debt payments, while anything above 1.0 indicates positive cash flow.
Do I need to provide tax returns or W-2s?
No! That's one of the main benefits of DSCR loans. You don't need to provide personal income documentation like tax returns, W-2s, or pay stubs. The qualification is based solely on the property's rental income potential.
What types of properties qualify for DSCR loans?
DSCR loans are available for single-family homes, 2–4 unit properties, condos (warrantable and non-warrantable), condotels, 5–10 unit residential buildings, and mixed-use properties with limited commercial space, but not for rural properties.
What is the maximum loan amount?
DSCR loans are available up to $3 million, making them suitable for a wide range of investment properties from starter rentals to high-value investment opportunities.
How quickly can I close on a DSCR loan?
DSCR loans can close in as little as 7 days once the appraisal is completed. The streamlined documentation process allows for much faster closings compared to traditional investment property loans.
What down payment is required?
Down payment requirements vary by lender and loan program, but typically range from 15-25% for DSCR loans. Some programs may offer higher leverage options depending on the property and borrower profile.
Can I use a DSCR loan for refinancing?
Yes! DSCR loans are available for both purchases and refinances. This includes cash-out refinancing to access equity for additional investments or property improvements.
Do I need previous real estate investment experience?
No prior real estate investment experience is required for DSCR loans. These programs are designed to be accessible to both seasoned investors and those just starting their investment journey.
How is the rental income calculated?
Rental income is typically determined using an appraisal with a rent schedule, market rent analysis, or existing lease agreements. For Airbnb properties, lenders may use historical income data or market analysis for short-term rental potential.
Are there prepayment penalties?
Most DSCR loan programs do not have prepayment penalties, giving you the flexibility to refinance or sell the property without additional costs. However, this can vary by lender and specific loan program.
What credit score do I need?
Most DSCR loan programs require a minimum credit score of 620-640, though some lenders may have higher requirements. Better credit scores typically result in more favorable interest rates and terms.