Speak with a DSCR Loan Specialist: (855) 848-2862
Who qualifies for DSCR Refinance and Mortgage?
Self-employed investors, bad credit borrowers, foreign nationals
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- Multifamily
- Apartment Buildings
- Duplex, Triplex & Fourplex
- Single Family rentals
- 1-4 Unit Buildings
- 5+ Unit Buildings
- Investment Property
- Mixed-Use
- Office/Retail/Warehouse
500 FICO
QUALIFY WITH POOR CREDIT
NO INCOME NO DOCS
RENTAL INCOME QUALIFIES
NO W2 & NO TAX RETURNS
NO TAX RETURN OR W2 TO QUALIFY
NO BALLOONS
FIXED PERIOD LOANS
LOW RATES
LOW INTEREST RATES
$75K - $50MM
LOAN AMOUNTS
75% LTV
NO INCOME NO ASSET VERIFICATION
CLOSE IN 3 WEEKS
QUICK LOAN FUNDING
Trusted by Real Estate Investors Nationwide
Over 25 years of lending experience · Serving all 50 states · Loans from $75K to $50MM
“I’ve been investing in rental properties for 12 years and couldn’t qualify through traditional lenders because of my write-offs. New City Financial closed my DSCR loan in 19 days — no tax returns, no hassle.”
Michael R.
Portfolio investor · Texas · 8 rental properties
“As a self-employed investor, getting a traditional mortgage was nearly impossible. New City Financial qualified me on my rental income alone. I’ve now financed three properties with them.”
Sandra L.
Self-employed investor · Florida · Multifamily
“I would like to thank Barron with new city financial for his guidance and expertise with my situation. He made me feel as if I was consulting with a friend not just a business deal. We look forward to continuing business and friendship. Thank you from Vault Investments LLC”
Nathan P.
Vault Investments LLC
“I’m a foreign national and thought getting a US investment property loan would be impossible. New City Financial made it simple. Closed on my apartment building in New York in 21 days.”
Wei C.
Foreign national investor · New York · 12-unit building
“New City Financial is the best out here. I have had my business since 2021. NCF by far is the most reliable. We are a very small investment company, usually people look at our size and don’t really want to help us. Baron with NCF has always kept his word and helped us through obstacles that most companies out here could never achieve. We can not say enough about this company and the way they handle their clients.”
Amelia B.
Small Investment Company
“They were assertive, responsive, informative and respectful! They got me funded and the whole process was excellent! I would definitely recommend them!.”
Ryan O.
Fully Funded
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on your property’s rental income — not your personal income, W2s, or tax returns. Instead of reviewing your pay stubs or employment history, lenders calculate a simple ratio:
A ratio of 1.0 or above means the property covers its own debt — and you qualify.
If your rental income covers the mortgage payment, you qualify — regardless of your personal income, employment status, or tax situation. This makes DSCR loans the go-to financing solution for self-employed investors, portfolio builders, foreign nationals, and anyone with complex finances who wants to grow their rental property portfolio without the red tape of traditional lending.
Perfect for: Self-employed investors · Portfolio builders · Foreign nationals · Bad credit borrowers · LLC borrowers · Airbnb / STR operators · 1–4 unit rentals · 5+ unit multifamily
Who Qualifies for a New City Financial DSCR Loan?
- ✅ Self-employed investors & business owners — No W2s, no pay stubs, no employment verification required
- ✅ Bad credit borrowers — 500 FICO minimum — We qualify you on the property’s income, not your credit history
- ✅ Foreign nationals — Non-US citizens can qualify for DSCR loans on US investment properties
- ✅ LLC and entity borrowers — Close in your LLC, corporation, or other business entity
- ✅ Portfolio investors with multiple properties — No limit on the number of financed properties
- ✅ Short-term rental operators (Airbnb / VRBO) — We offer DSCR loans for short-term and vacation rental properties
- ✅ Investors with complex tax situations — High write-offs? No problem — we don’t look at tax returns
⚠️ Not eligible: Owner-occupied properties. DSCR loans are for non-owner occupied investment properties only.
NEW CITY FINANCIAL
1000 N WEST STREET SUITE 1200-1812
WILMINGTON, DE 19801
(855) 848-2862
INFO@NEWCITYFINANCIAL.COM
DEBT SERVICE COVERAGE RATIO LOANS
DSCR LOAN MULTIFAMILY
DSCR LOAN DUPLEX
DSCR LOAN TRIPLEX
DSCR LOAN FOURPLEX
DSCR LOAN 1-4 UNITS
DSCR LOAN 5+ UNITS
DSCR LOAN APARTMENT BUILDING
DSCR LOAN AIRBNB and VRBO
DSCR LOAN SHORT TERM RENTALS
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