Unlock Your Real Estate Investment Potential
Specialized DSCR Loans to Maximize Equity & Scale Your Portfolio
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Main Loan Program
AssetIncome Complete DSCR Loan Program
Our comprehensive financing solution for real estate investors at every stage, whether you’re expanding your portfolio through new acquisitions or optimizing existing properties. This versatile program leverages the income-generating potential of your properties instead of relying on personal income qualification, streamlining the path to growing your real estate empire.
Program Highlights
- Non-Owner Occupied Loan amounts up to $2,000,000
- Competitive interest rates starting in the mid-7% range
- DSCR as low as 1.0 (sub-1.0 considered case-by-case)
- 30-year fixed-rate terms for long-term stability
- No income documentation required – qualification based on property performance
- Fico 680+ (pricing will adjust for as low as 620)
- Multiple transaction types supported:
- New property acquisitions to expand your portfolio
- Cash-out refinancing up to 75% LTV to access equity
- Rate-and-term refinancing to improve loan terms
- Up to 75% LTV for maximum leverage
- Streamlined approval process with minimal paperwork
- Expedited closing in as little as 21 days
- Points starting at 3%
- Flexible 5-year prepayment penalty (can be reduced based on your investment strategy)
Why Partner With Us
Investor-Focused Expertise
We specialize exclusively in investment property financing, with a deep understanding of the unique challenges and opportunities real estate investors face. Our team brings years of experience in DSCR lending to help you optimize your investment strategy.
Speed & Efficiency
Time-sensitive investment opportunities require quick action. Our streamlined process eliminates unnecessary paperwork, allows for faster approvals, and can close loans in as little as 21 days, so you never miss out on a promising property.
Portfolio-Building Focus
Whether you’re acquiring your first investment property or scaling to your twentieth, our financing solutions are designed to help you build a sustainable, profitable portfolio. We structure loans with your long-term growth in mind.
Personalized Solutions
Every investment strategy is unique. Our loan specialists work directly with you to customize loan terms that align with your specific investment goals, timeline, and cash flow requirements.
Relationship-Based Approach
We’re not just a one-time lender – we aim to be your long-term financing partner as you grow your real estate investment business. Our clients return to us repeatedly as they expand their portfolios.
Our Simple Process
Apply Online
Complete our streamlined application form with basic information about yourself and the property. No extensive documentation required just rental agreements, taxes and insurance to get qualified.
1
Property Evaluation
We’ll analyze the property’s income potential and determine your loan options based on the property’s performance, not your personal income.
2
Receive Custom Loan Terms
Our team will prepare a detailed loan proposal with competitive terms designed specifically for your investment situation.
3
Submit Limited Documentation
Provide only the essential property and entity documentation needed for underwriting – no tax returns or personal income verification required.
4
Close Your Loan
After approval, move quickly to close in as little as 21 days, getting you the funds you need to capitalize on investment opportunities.
5
Understanding DSCR Loans
What Is a DSCR Loan?
Debt Service Coverage Ratio (DSCR) loans are specialized mortgage products designed specifically for investment properties. Unlike traditional mortgages that qualify based on the borrower’s personal income, DSCR loans qualify based on the property’s ability to generate income relative to its expenses.
How DSCR Is Calculated
DSCR = Property’s Monthly Rental Income ÷ Monthly Debt Obligations
A DSCR of 1.0 means the property generates exactly enough income to cover its debt payments. Most lenders prefer a DSCR of 1.0 or higher, though we can consider lower ratios on a case-by-case basis.
Benefits of DSCR Loans for Investors
- No personal income verification – perfect for self-employed investors or those with complex income structures
- Unlimited property scaling – no limit to how many properties you can finance
- Faster closings with streamlined documentation
- Entity ownership allowed – properties can be held in LLCs or other business structures
- Focus on property performance rather than borrower limitations
Ideal Scenarios for DSCR Loans
- Expanding your rental property portfolio
- Refinancing to access equity for additional investments
- Converting properties from personal to investment use
- Purchasing properties with strong rental potential
- Consolidating investment property debt
About EquityMax Lending
EquityMax Lending was founded with a singular mission: to provide real estate investors with specialized financing solutions that enable portfolio growth and wealth creation through property investment.
Unlike general mortgage lenders, we focus exclusively on investment property financing with our flagship DSCR loan programs. This specialized focus allows us to understand the unique challenges investors face and structure financing solutions that align with investment strategies rather than simply personal income qualification.
Our leadership team brings over 25 years of combined experience in investment property lending, real estate investment, and portfolio building. We’ve designed our processes specifically for investors, eliminating unnecessary complications and focusing on what matters most: the property’s performance and your investment goals.
We believe in building long-term relationships with our clients, supporting them through each phase of their investment journey. From your first investment property to your twentieth, EquityMax Lending provides the financial tools and expertise you need to maximize equity and scale efficiently.
Our core values of transparency, efficiency, investor advocacy, and sustainable growth guide every interaction and decision we make. We’re not just lenders – we’re partners in your investment success.
Frequently Asked Questions
How is a DSCR loan different from a conventional mortgage?
Unlike conventional mortgages that qualify based on your personal income, credit, and debt-to-income ratio, DSCR loans qualify based on the property’s income potential. This makes them ideal for investment properties and allows investors to scale their portfolios without personal income limitations.
Can I use a DSCR loan for a property I plan to live in?
No, DSCR loans are exclusively for investment properties. The property must be used for business purposes, either as a long-term rental or, in some cases, as a short-term rental property.
What documentation do I need to provide for a DSCR loan?
We’ve simplified the process to require minimal documentation. Typically, you’ll need to provide:
To qualify
- Current or projected lease agreements/rental income information
- Property insurance and tax information
To apply
- Property details including purchase agreement or current mortgage information
- Proof of funds for down payment or closing costs
- Entity documentation if purchasing under an LLC or corporation
What credit score do I need to qualify?
While we evaluate each application holistically, we generally look for a minimum credit score of 680+ (pricing will adjust for as low as 620). Stronger credit profiles may qualify for more favorable terms.
Can I get a DSCR loan for a property that isn't currently rented?
Yes, we can use market rent estimates for vacant properties or new purchases. Our team works with professional appraisers to determine realistic rental projections for the property.
Do you offer interest-only DSCR loans?
Yes, we offer interest-only options for qualifying investors as part of our customized loan solutions. Please inquire for specific terms and qualification requirements.
What's the minimum down payment required?
Our DSCR loans typically require a minimum down payment of 25%, meaning we finance up to 75% LTV (Loan-to-Value ratio).
How quickly can I close on a DSCR loan?
Our streamlined process allows us to close loans in as little as 21 days, significantly faster than many traditional lenders.
Can foreign nationals qualify for your DSCR loans?
Yes, we offer specialized programs for foreign investors. Additional documentation and potentially different terms may apply.
Do you have a prepayment penalty?
Our standard program includes a 5-year prepayment penalty, but this can be reduced or modified based on your investment strategy and needs.
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What Our Clients Say
Super customer service!
EquityMax Lending has been instrumental in helping me scale from 3 to 12 properties in just 18 months. Their DSCR loan program allowed me to qualify based on the properties’ performance rather than my personal income, which removed the ceiling on how much I could borrow. Their team understands investors and moves quickly – exactly what I needed.
Michael R. | Multi-Property Investor
Transformed our brand
After being frustrated with traditional banks’ lengthy processes and income verification requirements, finding EquityMax was a game-changer for our business. Their DSCR program let us acquire four new properties in a competitive market where speed was essential. The 21-day close is real – they delivered exactly when promised.
Jennifer T. | Real Estate Investment LLC Owner
Innovative and professional
We used EquityMax’s DSCR program to refinance three of our existing properties, pulling out enough equity to purchase two additional units without touching our savings. Their team guided us through the entire process, explaining every step and ensuring we optimized our portfolio structure. We’ll definitely be back for our next phase of growth.
David & Sarah K. | Rental Portfolio Builders
Super customer service!
Most lenders don’t understand vacation rental income, but EquityMax has specialized knowledge in this space. Their DSCR program allowed me to finance my beach property based on its Airbnb income potential rather than treating it like a traditional rental. Incredibly smooth process from application to closing.
Alex W. | Short-Term Rental Investor