DSCR360 | DSCR Loans for Real Estate Investors
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Tier 1 · Partner
CLO-XXXXXXXX
Share this link with investors — every funded loan earns you basis points.
0
Referrals
0.75
BPS / Closed Loan
🥉 Tier 1 — 1–5 referrals/mo → 0.75 BPS
🥈 Tier 2 — 6–15 referrals/mo → 1.0 BPS
🥇 Tier 3 — 16+ referrals/mo → 1.25 BPS
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NMLS #2687393  |  Licensed in All 50 States  |  Equal Housing Lender Questions? partners@dscr360.com
DSCR Loan Specialists

Finance Investment Properties Faster
No W-2 Or Tax Returns Required

DSCR360 provides Debt Service Coverage Ratio loans for real estate investors — no personal income docs required. Qualify based on property cash flow, not your W-2.

1.25
Max BPS Earned
50
States Licensed
Faster Close
$0
Tax Returns Needed
🏛️ Direct Lender
🇺🇸 All 50 States
Fast Pre-Qualification
🔒 No Personal Income Verification
💰 Competitive DSCR Rates
Commercial investment building
Commercial

Office & Mixed-Use

Renovation in progress
Renovation

Fix & Flip Ready

Multi-family rental property
Multi-Family

Rental Portfolio Growth

Luxury investment property
Luxury

High-End Investors

Find Out If You Qualify

Walk through our DSCR loan process in minutes. No personal income docs required — just the property's numbers.

What is a DSCR Loan?

DSCR (Debt Service Coverage Ratio) loans let investors qualify based on a property's income potential — not their personal tax returns or pay stubs.

  • No personal income docs — Qualify using the property's rental income potential
  • Ideal for self-employed investors — W-2s and tax returns not required
  • Scale your portfolio faster — No cap on financed properties
  • Short-term rental eligible — Airbnb/VRBO income accepted (market rent analysis)
  • 30-year fixed terms available — Predictable cash flow for long-term holds
DSCR Formula
Monthly Rental Income

PITIA (Monthly Mortgage Payment)
Debt Service Coverage Ratio
≥ 1.0
Property cash flow covers debt service
DSCR < 1.0
Challenged
Cash flow doesn't cover debt
DSCR ≥ 1.25
Strong
Healthy investment cash flow

Our Loan Products

Bridge loans for fast execution. DSCR term loans for long-term holds. All qualify on property cash flow — no W-2 required.

⚡ Bridge Loans
🔨
Fix & Flip
Bridge · Residential

Short-term bridge financing for value-add residential and small commercial rehab projects. Fast close, interest-only payments during renovation period.

12–18 Month Terms Up to 90% LTC Interest-Only Close in 5–7 Days 1–4 Unit + Small Commercial
🏗️
Ground Up Construction
Bridge · New Construction

Finance new construction from raw land through certificate of occupancy. Draw schedule tied to construction milestones with flexible term options.

Up to 24-Month Terms Up to 85% LTC Draw Schedule 1–4 Units + Multifamily Interest Reserve Available
🏢
Multifamily Bridge
Bridge · 5+ Units

Transitional financing for multifamily assets in lease-up, light renovation, or repositioning. Bridge to permanent DSCR or agency financing.

12–24 Month Terms 5+ Units Lease-Up Eligible Value-Add Refi to DSCR Term
🔒
Stabilized Bridge
Bridge · Cash-Flowing

Bridge financing for stabilized, cash-flowing properties awaiting permanent financing. Fast execution when timing doesn't allow conventional closing.

6–24 Month Terms Up to 75% LTV DSCR ≥ 1.0 Residential & Commercial Interest-Only
📊 DSCR Term Loans
🏠
Single Property Rental
DSCR Term · 1–4 Units

30-year DSCR loans for single-family and 2-4 unit rental properties. Qualify on rental income alone — no W-2, no tax returns, no personal income verification.

30-Year Fixed No W-2 Required DSCR ≥ 0.75 1–4 Units STR / Airbnb Eligible I/O Option Available
🏘️
Rental Portfolios
DSCR Term · Blanket Loan

Finance 5 or more single-family or small multifamily properties under one blanket DSCR loan. Streamline your portfolio and scale faster with a single close.

5+ Properties One Loan, One Close No Doc Required Cross-Collateralized 30-Year Amort
🏛️
Multifamily Term
DSCR Term · 5+ Units

Permanent DSCR-based financing for apartment buildings with 5 or more units. Qualify based on the property's net operating income — ideal for investors scaling into commercial multifamily.

5+ Units No Income Docs NOI-Based Qualification 25–30 Year Amort Fixed & Hybrid ARM Up to $10M
📋

Download the Full DSCR360 Brochure

All 7 loan products — Bridge & DSCR Term. Eligibility specs, terms, and key features in one PDF.

Download Brochure PDF → Submit a Loan →

Earn Up to 1.25 BPS Per Referral

Partner with DSCR360 — refer investors and earn tiered basis point compensation based on your monthly referral volume.

Tier 1
Builder
0.75 BPS
1–5 referrals / month
  • DSCR360 partner certification
  • Dedicated partner portal access
  • Monthly referral summary report
  • Partner co-marketing materials
Tier 3
Elite
1.25 BPS
16+ referrals / month
  • Everything in Tier 2
  • Direct underwriting access
  • White-label DSCR materials
  • Revenue sharing program
  • Executive partnership meetings

How the Partner Sign-Up Program Works

📝

1. Sign Up Free

Complete the partner form below. Instant approval — no waiting.

🎓

2. Learn DSCR

Use our training materials to confidently present DSCR loans to investors.

🔗

3. Refer Investors

Send investor clients to DSCR360 using your unique partner referral code.

💰

4. Get Paid

Earn basis points on every closed loan. Volume unlocks higher tiers.

Everything You Need to Refer with Confidence

We give you the knowledge, tools, and scripts to confidently present DSCR loans to your real estate investor clients.

📊

DSCR Fundamentals

Master the basics: what DSCR means, how ratios are calculated, and which clients are ideal candidates for DSCR financing.

💬

Client Scripts & FAQs

Word-for-word scripts for introducing DSCR loans to investors, handling objections, and explaining the no-income-doc advantage.

🏘️

Property Eligibility Guide

Single-family, 2-4 units, condos, short-term rentals — learn which property types qualify and how to analyze each deal.

📋

Referral Checklist

A step-by-step checklist for qualifying and referring investors — from initial conversation to sending the referral to DSCR360.

📈

Commission Calculator

Estimate your monthly earnings based on referral volume and average loan size. See how quickly you can reach Tier 3 (1.25 BPS).

🎯

Co-Marketing Materials

Branded flyers, email templates, and social media posts you can use to attract investor clients to your DSCR360 pipeline.

📞
Need a training walkthrough?
Book a free 30-minute onboarding call with our partner team. We'll walk you through the entire referral process and answer your questions.

Ready to Start Referring? Talk to Our Team First.

A 15-minute call is all it takes to understand the program, get your referral code, and start earning BPS.

Partner Sign-Up Application

Instant approval. No waiting. Submit below and receive your welcome letter and referral code immediately.

Investment property Modern investment home Real estate investment

Partner Application

Takes 60 seconds. Instant approval.

By submitting, you agree to receive program communications from DSCR360 / Apex Home Capital. NMLS #2687393. Equal Housing Lender.

🏆

Welcome to DSCR360

Partner Sign-Up Program — Official Welcome Letter

Dear Partner,

Congratulations — you're officially approved as a DSCR360 Partner Sign-Up Program member. We're excited to have you on the team.

As a partner, you'll earn basis point compensation on every closed DSCR loan funded through your referrals. Your commissions grow as your referral volume increases — up to 1.25 BPS for top producers.

Your Referral Code
CLO-XXXXXXXX
🔑 Your Login Credentials
Email:
Referral Code: CLO-XXXXXXXX
Use these to sign into your back office via the Partner Login button.
🔗 Your Two DSCR360 Links
Marketing Access Link
https://dscr360.com/?ref=CLO-XXXXXXXX
Share with investors — earn BPS on every funded loan referred through this link.
📎 Partner Resources
📬 What Happens Next

Within 6–12 hours, you'll receive an email from Home Source Funding to set up a secure password. Once completed, your back office will open to start originating loans. Your DSCR360 link is for marketing — once your password is set, you'll have credentials to log in and start originating. Happy Hunting!

Your Tiered Commission Structure

Tier 1 — Builder (1–5 referrals/mo)
0.75 BPS
Tier 2 — Growth (6–15 referrals/mo)
1.0 BPS
Tier 3 — Elite (16+ referrals/mo)
1.25 BPS

Your Next Steps

1
Review your training materials — Familiarize yourself with DSCR loan eligibility, the referral checklist, and client scripts in the Training section above.
2
Share your referral code — When introducing an investor client to DSCR360, provide your referral code so we can track the referral and attribute your commission.
3
Book a free onboarding call — Our partner team will walk you through the full referral process, answer your questions, and set you up for success.
4
Start referring investors — Direct your real estate investor clients to DSCR360. We close the loan and you earn BPS on every funded deal.

Partner Support:

📧 partners@dscr360.com

🌐 nestready.polsia.app/dscr360

Welcome aboard,

The DSCR360 Team
NMLS #2687393

Book a Free Call with DSCR360

Whether you're an investor looking for DSCR financing or a CLO ready to partner — let's talk. 15 minutes, zero pressure.

📅 Schedule Your Free Call

You're on the calendar!

We'll reach out within 1 business hour to confirm your call time. Check your inbox for a confirmation email.

By submitting, you consent to be contacted by DSCR360. NMLS #2687393.

Loan Parameters
Eligible Use Cases