Wholesale Broker Program

Grow Your Business With DSCR Rental Financing

Partner with DSCR Loan Funder LLC to offer your investor clients competitive rental property financing — no income docs, no tax returns, fast closings.

Access Pricing Engine Pro Become an Approved Broker
5.9%+
Rates Starting At
80%
Max LTV
$2MM
Max Loan Amount
660+
Min FICO
No Ratio
Min DSCR Option
20 Days
Avg Time to Close
Why Partner With Us

Built for Brokers Who Move Fast

DSCR Loan Funder LLC is a direct lending partner for mortgage brokers placing investment property loans for their clients. We make your job easier.

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Fast Turn Times
Our streamlined underwriting and processing pipeline closes the majority of approved wholesale submissions within 20 days. Your clients won't be waiting.
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No Income Docs Required
DSCR loans qualify on property cash flow — not your borrower's W-2s, tax returns, or pay stubs. Simple documentation, fewer stalls.
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Flexible Structures
30-year fixed, hybrid ARMs, and up to 10-year interest-only options. Individuals, LLCs, and corporations all eligible. Foreign nationals considered at 65% LTV.
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No-Ratio Option
Qualify borrowers even when the property's cash flow doesn't fully cover PITIA. Our no-ratio product opens doors other lenders close.
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Experienced or First-Time Investors
We work with all types of investor clients — from seasoned portfolio holders to first-time rental property buyers. No experience requirement.
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Pricing Engine Pro Portal
Submit, price, and track all your scenarios through our Pricing Engine Pro broker portal. Real-time pricing, pipeline visibility, and deal management in one place.
Program Details

DSCR Loan Program Matrix

Key parameters for the DSCR Loan Funder LLC wholesale rental program. All terms subject to credit approval.

DSCR Rental — Core Parameters

Wholesale / Broker Submitted Only
Rates From
5.9%+
30-yr fixed & hybrid ARM
Loan Amount
$75K – $2MM
Flexible to match investment size
Max LTV — Purchase
Up to 80%
Rate & term refi up to 80%
Max LTV — Cash-Out
Up to 75%
Cash-out refi available
Min DSCR
No Ratio
No-ratio option available
Min FICO
660+
640 possible w/ reduced leverage
Loan Term
30 Years
Up to 10-yr interest only
Seasoning
90 Days
Use appraised value after 90 days
Foreign Nationals
Eligible
Up to 65% LTV
Vesting
Individual or Entity
LLC / Corp accepted
Vacancy OK?
Yes
Appraiser rental estimate used
Rate Lock
30 Days
Competitive rate lock period
Eligible Collateral

Property Types We Finance

We lend on a wide range of residential investment property types — keeping your deal flow flexible.

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Single Family Residence
1-unit SFRs — the most common DSCR collateral type
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2–4 Unit Properties
Duplexes, triplexes, and quadplexes all eligible
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Condos & Townhomes
Warrantable and select non-warrantable condos
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Short-Term Rentals
Airbnb and VRBO properties using market rent schedules
The Process

How to Submit a Deal

Getting your investor client from scenario to funding is straightforward. Here's how the wholesale process works.

1
Get Approved as a Broker
Complete our broker approval form below. Once approved, you'll receive access credentials to Pricing Engine Pro.
2
Price Your Scenario
Log into Pricing Engine Pro to run live pricing on your client's scenario — property type, loan amount, LTV, and credit profile.
3
Submit the Deal
Submit your complete file through the portal. Our team reviews the scenario and provides a decision quickly.
4
Close & Fund
Once approved, we process efficiently. Most approved wholesale submissions close within 20 business days.
Full Feature Set

What's Included in the Program

Everything your investor clients need to qualify, structured the way real estate investors actually operate.

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No Tax Returns or W-2sUnderwriting is based entirely on property income and appraiser rent schedules — not personal income documentation.
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No-Ratio DSCR AvailableBorrowers can qualify even when the property's cash flow doesn't cover PITIA. Ideal for value-add acquisitions.
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Entity Borrowing AcceptedLLCs and corporations can borrow directly — entity vesting is not required but is fully supported.
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Interest-Only OptionUp to 10 years of interest-only payments available on qualifying 30-year loan products — maximizes investor cash flow.
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Vacant Properties OKNo existing lease required. A rental estimate from the appraiser is used to qualify — close before finding a tenant.
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Foreign National LendingForeign national borrowers are eligible at up to 65% LTV — expanding your potential client pool significantly.
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90-Day Seasoning for Appraised ValueBorrowers only need 90 days of ownership to use the appraised value instead of the purchase price — great for BRRRR strategies.
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First-Time Investors WelcomeNo prior investment property ownership is required. We work with new investors just as we do with experienced portfolio holders.
Broker Portal

Ready to Price a Scenario?

Log into Pricing Engine Pro to run live rates, submit deals, and manage your pipeline — all in one place.

Launch Pricing Engine Pro →
Not yet approved? Complete the broker inquiry form below to get started.
Common Questions

Broker FAQ

Answers to the questions we hear most from new and existing broker partners.

Do I need to be licensed to submit DSCR loans?
In most eligible states, you do not need an NMLS license to originate business-purpose DSCR loans. Since DSCR loans are investment-property, non-owner-occupied loans, they are classified as commercial/business-purpose transactions in most states. See our approved states list below.
What is a DSCR loan?
Debt Service Coverage Ratio (DSCR) loans are investment property mortgages that qualify borrowers based on the rental income of the property — not the borrower's personal income, employment, or tax returns. DSCR = Monthly Rental Income ÷ Monthly PITIA.
What documents does my client need to provide?
Minimal documentation is required: entity docs (if applicable), bank statements, property address, current mortgage balances, and lease agreement (or appraiser rental estimate for vacant properties). No W-2s, pay stubs, or tax returns.
Can my client close in an LLC?
Yes. DSCR Loan Funder LLC accepts loans vested in LLCs and corporations. Entity borrowing is fully supported — and in some states is actually required (Florida, for example, requires LLC vesting on non-owner-occupied investment loans).
What if the property doesn't cash flow (DSCR < 1.00)?
We offer a No-Ratio DSCR product specifically for scenarios where the property income does not fully cover PITIA. This is a common solution for acquisitions in higher-priced markets or value-add properties pre-stabilization.
How do I access Pricing Engine Pro?
Once your broker approval is complete, you will receive login credentials to Pricing Engine Pro — our broker portal for real-time pricing, deal submission, and pipeline tracking. Submit an inquiry below to begin the approval process.
Can foreign national clients qualify?
Yes. Foreign national borrowers are eligible for DSCR financing at up to 65% LTV. This extends your potential client base significantly beyond U.S. citizens and permanent residents.
Are short-term rentals (Airbnb / VRBO) eligible?
Yes. Short-term rental properties are eligible. When an Airbnb-style lease is not in place, an appraiser-generated market rent schedule is used to determine qualifying income.
Lending Footprint

Approved Lending States

DSCR Loan Funder LLC originates wholesale DSCR loans in the following states. States marked are not currently available — confirm current availability with your account contact.

Alabama Alaska Arizona Arkansas Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska New Hampshire New Jersey New Mexico New York North Carolina Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina Tennessee Texas Utah Virginia Washington West Virginia Wisconsin Wyoming California Nevada North Dakota South Dakota Vermont
⚠️ State availability is subject to change. Always confirm current approval with your DSCR Loan Funder LLC account contact before submitting a scenario. Florida requires vesting in an LLC on non-owner-occupied investment property transactions.
Get Started

Become an Approved Broker Partner

Fill out the form and a member of our wholesale team will reach out to complete your approval and get you set up in Pricing Engine Pro.

Broker Inquiry
For mortgage brokers and correspondents only. Not for borrower use.

Ready to partner with a direct lender?

DSCR Loan Funder LLC works exclusively through approved wholesale broker partners. Once approved, you'll have direct access to our team, real-time pricing, and fast deal execution through Pricing Engine Pro.

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Address17103 Preston Road, Suite 260
Dallas, Texas 75248
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Broker Portalpricingengine.pro
17103 Preston Road, Suite 260 · Dallas, TX 75248 · (214) 807-1873 · info@fundmydscr.com
Program How It Works FAQ States Contact Broker Portal
All terms subject to credit approval. All loans must be solely for a business or commercial purpose and secured by a non-owner-occupied investment property. This website is intended for use by licensed mortgage brokers and correspondents only — not for use by consumer borrowers or owner-occupied mortgage applicants. DSCR loans are business-purpose loans and are not subject to TRID/RESPA disclosure requirements. State availability is subject to change without notice. Rates, terms, and conditions are subject to change. This advertisement does not constitute a loan commitment or rate lock. © 2026 DSCR Loan Funder LLC. All rights reserved.