For real estate investors

Skip the W2 The rent qualifies.

Get matched with a DSCR specialist in ~2 minutes. No tax returns. Your rent is the income that qualifies.

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calculate Run the numbers

Does your rent cover the loan?

Two inputs. Instant DSCR ratio. The first thing every DSCR lender asks — answer it for yourself before you talk to anyone.

DSCR Calculator

Calculate your DSCR ratio

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Your DSCR Ratio

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Enter your numbers

Target

1.0+

Strong

1.25+

W2 needed

Zero

Estimate only. Lender DSCR minimums vary. Not a quote, not a commitment to lend.

AI Assistant — Online Now

Meet Samantha

She'll walk you through 7–8 quick questions about your investment property. About 2 minutes. No credit check, no obligation. She's an AI — transparent about that upfront.

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Samantha

Virtual Assistant · SkipMyW2

Educational only · Not a lender · No financial advice

What happens next

Answer a handful of questions. If the numbers pencil, a licensed DSCR lending partner picks up from there. No cold calls, no credit pull, no paperwork marathon.

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compare_arrows Side by Side

Two roads to the same property.

One asks for two years of paperwork. The other asks if the rent covers the loan. Here's how a DSCR loan stacks up against a conventional investment-property mortgage.

Old Way

Conventional

The Shortcut

DSCR Loan

Property Qualifies

attach_money Qualifying income
close Your W2 paystub
check_circle Property cash flow
receipt_long Tax returns
close 2 years required
check_circle Not required
stacks Property limit
close Capped at 6–10
check_circle No portfolio cap
key LLC vesting
close Personal name
check_circle Many lenders accept
schedule Underwriting
close Months of paperwork
check_circle Streamlined
timer Time to close
hourglass_top 45–60 days
bolt 21–30 days
person Best for
close W2 employees
check_circle Self-employed investors

For educational purposes only. DSCR loan terms vary by lender. SkipMyW2 is not a lender — we connect you with licensed lending partners. No loan approval is guaranteed.

check

You'll qualify if…

  • check_circleThe property is strictly an investment — you won't live there
  • check_circleRent covers (or beats) the mortgage payment
  • check_circleYou have 20–25%+ down ready to deploy
  • check_circleCredit roughly 660+ (700+ unlocks the best terms)
close

This isn't for you if…

  • cancelYou plan to live in the property (primary or secondary residence)
  • cancelYou're flipping with no rental income in the picture
  • cancelCredit is below ~620 with no compensating factors
  • cancelYou don't yet have a meaningful down payment

Recently Referred · DSCR Network

Sample placements from licensed DSCR partners

home

$412k SFR · Tampa, FL

DSCR 1.22 · 25% down

apartment

$685k Duplex · Phoenix, AZ

DSCR 1.31 · LLC vested

cottage

$298k STR · Asheville, NC

DSCR 1.45 · Airbnb income

villa

$525k SFR · Austin, TX

DSCR 1.18 · Cash-out refi

forum What we hear

Three reasons investors call us —
and what's actually possible past each one.

If it involves rental income and a property that pencils, there's usually a DSCR path. The trick is finding the one that fits your deal.

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"My write-offs make me look broke on paper. The bank can't see the actual cash flow my properties generate."

The write-off trap

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"I hit the 10-property ceiling and conventional told me I was done. My properties are still cash-flowing — but the door closed."

The portfolio ceiling

format_quote

"My Airbnb pays double what a long-term rental would — but the bank won't count a dollar of it."

The STR income gap

Composite statements based on common investor pain points. Not attributed to specific individuals.

What it takes

Qualify the property, not the paycheck.

DSCR loans don't ask for the paperwork conventional lenders bury you in. Here's the short list of what actually moves a deal forward.

  • check_circle

    Investment property only

    Single-family, multi-family, condo, short-term rental — anything you don't live in. Primary residence is a hard line.

  • check_circle

    Rent that covers the payment

    The property's rental income should cover the mortgage payment (the DSCR ratio). The closer to 1.0+, the easier the deal pencils.

  • check_circle

    A meaningful down payment

    DSCR loans expect more skin in the game than an owner-occupied mortgage. Exact percent depends on the lender, the deal, and the property type.

  • check_circle

    A credit history they can review

    Lenders still want to see how you handle credit — but the bar is reasonable, not the marathon conventional puts you through.

  • check_circle

    LLC or personal name — your call

    Most DSCR lenders close in your LLC. The entity structure your CPA built stays intact.

chat_bubble See where you stand

No paystubs. No tax returns. No banker speak.

help FAQ

Common Questions

Straight answers. No banker speak.

Important Disclosure

SkipMyW2.com is an educational resource and lead referral service operated by Akasi Labs (DBA Lovelace Media). We are not a mortgage lender, mortgage broker, or financial advisor. We do not originate, process, underwrite, fund, or service mortgage loans. Nothing on this website constitutes a commitment to lend, an offer of credit, or a guarantee of loan approval. Loan approval is not guaranteed and depends on individual circumstances including credit history, property characteristics, rental income, lender guidelines, and market conditions. Interest rates, loan terms, down payment requirements, DSCR minimums, and program availability vary by lender and are subject to change. DSCR loans are for investment properties only — not primary residences or owner-occupied properties. By interacting with Samantha or texting SKIPMYW2, you agree to receive automated messages from SkipMyW2 and licensed lending partners. Reply STOP to opt out. Message and data rates may apply. Equal Housing Opportunity.

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