Landlord/DSCR
At TruWealth Capital, we provide fast, flexible financing that looks at the strength of your property—not stacks of paperwork. With our DSCR loans, you can close in weeks—often faster—so you never miss a good deal.
We offer industry-leading rates, no prepayment penalties, and no income verification, making it easy to scale your rental portfolio with confidence.
As real estate investors ourselves, we know time is everything. That’s why we respond to every inquiry within 48 hours—and we answer the phone when it counts.
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About Us
TruWealth Capital offers fast, flexible private lending for real estate investors. We focus on your property's potential rather than paperwork, funding you in weeks—not months—and can close sooner if needed.
We require no personal income verification, no prepayment penalties, and only a 660 minimum FICO score. Our programs support single family residences (1–4 units) and allow for DSCR as low as 1.0 with LTV up to 80%.
Private Money Lending vs. Conventional Financing
TruWealth Capital
Faster Approval Process: Often closes in 3-4 weeks versus 30+ days for conventional loans
Fewer Qualification Requirements: No need for W-2s, tax returns, income verification, or DTI requirements
Focus on Property Value: Lenders care more about the deal than personal finances
Higher Leverage Options: As little as 1.00 DSCR ratio, and up to 80% of ARV
No Limit on Number of Properties: Unlike conventional loans which typically cap at 10 properties
More Flexible for Investors: Better suited for fix & flip, BRRRR strategy, and other investment approaches
Less Impact on Personal Credit: Many loans don't show on your personal credit report
Ability to Close in Business Entities: Provides liability protection
Experience Can Substitute for Perfect Credit: Compensating factors can offset lower credit scores
Conventional Financing
Stringent Qualification Process: Requires good credit, income verification, tax returns
Debt-To-Income Ratio Limits: Typically 43-45% maximum
Slower Approval Process: Often 30-45+ days to close
Lower Leverage: Usually limited to 75-80% LTV with no rehab funds or monthly mortgage payments rolled into your loan repayment
Limit on Number of Mortgages: Typically capped at 10 conventional loans
Strict Property Requirements: Property must be in move-in ready condition
Shows on Personal Credit: All loans appear on credit report affecting future borrowing ability
Less Flexibility for Investors: Terms designed for homeowners, not investors
How It Works
Landlord / DSCR loans with us built for long-term investors who want to scale smarter. Whether you're acquiring your first rental or expanding your rental portfolio, our streamlined 3-step process gives you fast, flexible funding—based on the property's income, not yours.
Step 1
Submit your Interest Based on Property Cash Flow
Submit a quick online interest form. We’ll review your project, experience, and property details to determine the best loan terms for your deal — no mountains of paperwork required or hoops to jump through .
Step 2
Close Fast with Minimal Income Documentation
Once approved, we move fast. Get funding in weeks, not months (close sooner, if needed) — so you can purchase the property and focus on being a landlord. We offer up to 80% ARV to help you maximize ROI.
Step 3
Start Collecting Rent and Building Long-Term Wealth
Once your loan closes, rent out the property and start generating monthly cash flow. With long-term, fixed-rate options and no income verification, it’s easier than ever to grow your rental portfolio. Ready to scale? Let us help you expand your rental empire—one property at a time.
Frequently Asked Questions (FAQs)
What is a Debt Service Coverage Ratio (DSCR) Loan?
A DSCR (Debt Service Coverage Ratio) loan is a type of real estate loan where approval is based on the property's rental income—not your personal income or tax returns.
Who Qualifies for a DSCR Loan?
Real estate investors who own or are purchasing rental properties and can show the property generates enough income to cover the loan payments and additional cashflow. No W-2s, pay-stubs, or employment verification required.
What is the Minimum DSCR Required?
A DSCR of at least 1.0 (break-even), though 1.1+ for stronger cash flow, is preferred but not required.
How Much Can I Borrow?
Loan amounts typically of $75K to $2M go up to 80% LTV (loan-to-value), depending on credit score, property type, and DSCR ratio.
Can I Use a DSCR Loan for Short-Term Rentals or Airbnb?
Yes, we allow short-term or vacation rentals, as long as the income can be documented through rental history, local short-term rental market and/or comparables.
Can I Live in the Property?
No, our DSCR loans are Non-owner occupied (N/O/O) or a landlord cannot occupy the property on a DSCR loan.