Why Cash-Flow-Based Lending Closes More Deals Than Traditional Banks

Explore the latest insights in non-QM lending, creative deal structures, and rental income-based financing.

Not every real estate investment fits a cookie-cutter mold — and that’s exactly why we're here. At DSCR Investor Loanz, we help real estate investors secure financing based on what really matters: the cash flow of the property.

When banks say no because your tax returns don’t line up...📈 We say yes because your rental income does. We call it Investor-Focused Lending — powered by cash-flow-based loan strategies and a network of 100+ private and non-QM lenders ready to compete for your deal.

Real Deals We've Closed — Even When Others Couldn't

$2.3M Rental Property Purchase — Closed in 9 Business Days

📍 Location: Houston, TX

🚧 Challenge: Borrower’s 1099 income didn’t meet Fannie/Freddie guidelines. Previous lender delayed the deal for 2 months.

✅ Solution: Qualified solely on rental income with a DSCR loan. Appraisal and title were already completed, which allowed us to close in just 9 business days.

$1.85M Short-Term Rental for Foreign National Investor

📍 Location: Miami, FL

🚧 Challenge: Borrower had no U.S. credit, no tax returns, and held the property in an LLC.

✅ Solution: Leveraged one of our foreign national lending programs. No income docs needed. Closed smoothly with seller credits and favorable terms.

$1.65M Rural Refinance on 12-Acre Investment Property

📍 Location: Just outside Nashville, TN

🚧 Challenge: Large acreage and rural zoning scared off traditional lenders.

✅ Solution: We structured a DSCR refinance using land-appropriate comps and highlighted the property's cash flow. Loan funded without a hiccup.

What Is Investor-Focused Lending?

At DSCR Investor Loanz, we don’t just check boxes — we build loan solutions around the deal itself.

🔹 We qualify based on property income, not borrower tax returns

🔹 We know how to structure creative scenarios — from short-term rentals to multi-units

🔹 We shop across 100+ lenders to find the best match

🔹 And yes — we move fast, especially when title and appraisal are already in place

Fastest closing? 8 business days — only possible when a previous lender had already completed appraisal & title. We won’t overpromise. But when you're ready and the pieces are in place, we’ll move with precision.

Why Investors Choose DSCR Investor Loanz

✅ No tax returns or W-2s required

✅ Loans up to $5M+

✅ Airbnb, multi-family, and mixed-use properties welcome

✅ Flexible loan terms, including interest-only and long-term options

✅ You work with a broker — not a bank — so we shop across 100+ lenders for your best deal

Ready to Talk Strategy?

Whether you’re mid-deal or just shopping options, we’ll give you clarity — not just a quote. Let us analyze your deal and walk you through what’s possible.

👇 Get started below:

🔗 Free Property Analysis

🔗 Book a DSCR Strategy Call