Investor Lending · Long-term Rental

Qualify on the property, not the tax return.

No W-2qualified on rent

DSCR (Debt Service Coverage Ratio) loans qualify you on what the property earns — not what's on your tax return. The rent covers the mortgage; you get the loan.

The cleanest path for portfolio builders, self-employed investors, and anyone who'd rather not justify their AGI to an underwriter every six months.

At a glance

Key highlights

Typical DSCR terms — final pricing depends on DSCR ratio, LTV, and credit.

Why Kyon for a DSCR

Designed for portfolio builders.

No personal income docs

No W-2s, no tax returns, no DTI gymnastics. Qualification runs on the asset.

Stack & scale

No limit on the number of DSCR loans you carry. Build a portfolio without hitting Fannie's cap.

Close in an LLC

Title the asset in your entity. Keeps personal credit clean and structure organized.

Foreign nationals OK

We finance qualified foreign-national investors with no US credit history required.

Honest fit

Is DSCR right for you?

Good fit if you...

  • Are holding a 1–4 unit property as a long-term rental
  • Prefer not to share personal income docs
  • Are building a multi-property portfolio in an LLC
  • Have a property whose rent covers the mortgage (DSCR ≥ 1.0)

Probably not for you if...

  • You're flipping, not holding (Fix & Flip is the right tool)
  • The property won't cash-flow at market rent
  • You'll occupy the property yourself (see Mortgages)
  • You need to close in fewer than 21 days
The fine print, plainly

Key metrics, explained.

Example deal

What a DSCR loan might look like.

From quote to wire

A simple, four-step process.

1

Check your rate

Soft-pull rate estimate based on DSCR and LTV.

2

Submit application

Upload property info and entity docs.

3

Get approved

Underwriting confirms cash flow and orders appraisal.

4

Close & fund

Close in your LLC. Typically 21–28 days.

Other options

Related Kyon products

Build the portfolio

Qualified on the rent. Closed by Kyon.

Soft credit pull. Two-minute estimate. NMLS #11252078.