What Is a DSCR Loan?
A DSCR loan is a no-income-verification loan that qualifies borrowers based on the property's rental income vs. expenses. If the rental income can cover the mortgage payment (typically a DSCR of 1.0 or higher), you may qualify-even if you're self- employed or have complex finances
Why Investors Choose DSCR Loans
No tax returns or W-2s required
Close in as little as 2-3 weeks
Qualify based on rental income (not personal DTI)
Available for short-term and long-term rentals (including Airbnb)
Ideal for portfolio growth and cash-flowing properties
Perfect For
Real estate ianvestors with multiple properties
Self-employed or non-traditional income earners
Buyers building rental portfolios (single-family, multifamily, condos)
Turnkey property buyers and Airbb operators
Let's Get You Approved
If you're ready to take the next step toward building or expanding your rental property portfolio with a DSCR loan, I'm here to help.
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Have questions or ready to get started? Let’s talk through your options together.
Location
: 13121 Louetta Rd. #2007 Cypress TX. 77429
© Copyright 2026
First Lane Home Loans
© Copyright 2026 First Lane Home Loans. All rights reserved
Mike Fapohunda, First Lane Home Loans
NMLS# - NMLS#2530213
NEXA Mortgage LLC is an Equal Housing Lender
Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov.
A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov
© Copyright 2026 First Lane Home Loans. All rights reserved
