Facebook-f Instagram Linkedin
Get Started
Welcome to Beacon Lending

DSCR Loans Built

for Real Estate Investors

No Tax Returns. No W-2s. Close in as Little as 30 Days.
40+ Five-Star Google Reviews
Book a Free DSCR Call
Fill Out An Application Today
Free Investor Tool
DOES YOUR DEAL
QUALIFY?
Two numbers. 30 seconds. No application, no credit pull, no obligation.
No W-2s No Tax Returns No Personal Income 21-Day Avg Close
$
Current or market rent
$
P+I+taxes+insurance+HOA
Strong
1.25x+
Standard
1.0–1.24x
Low Ratio
0.80–0.99x
No Ratio
Below 0.80x
Enter your rental income and PITIA above
to see your DSCR ratio instantly.
—
x
—
—
Pre-qualify in 24 hours — no W-2s required
Talk to a DSCR specialist today
Get My Full Quote & Pricing →

Free · 60 seconds · See your tier instantly

Beacon Lending · NMLS #2085418 · Colorado · Texas · Florida
beaconlending.com
Latest from Brian

Our Latest DSCR Content

Before you use a DSCR loan, watch this

This DSCR Deal Looked Perfect… Until This Happened

Your Airbnb Income Means Nothing to DSCR Lenders (Here's Why)

DSCR Loans: The Strategy Investors Are Using Right Now

Subscribe to Our Channel
Client Testimonials

What Our Clients Say

I am always a fan of working with Brian and his team at Beacon Lending. He is quick, professional, thorough, and great at what he does.

Rachel Smith

Austin, Texas

April 2025 “DSCR cash out refinance” 30 year fixed on a recently built and rented investment property. The team at Beacon made everything super easy, with great communication and tools.

Michael Buell

Austin, Texas

This is the 2nd mortgage Brian has helped me obtain. He’s professional and did what was needed to get me the best deal.

James Woodley

Austin, Texas

What It Is

What Is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan allows investors to qualify based on the income of the property, not their personal income. Instead of reviewing tax returns, pay stubs, or W-2s, the lender evaluates whether the rental income covers the monthly mortgage payment including principal, interest, taxes, insurance, and HOA (if applicable).

See DSCR Loan Requirements

Who It’s For

DSCR Loans are Designed Specifically for

  • Rental property investors
  • Self-employed borrowers
  • Business owners and entrepreneurs
  • Investors scaling a portfolio
  • Buyers scaling a multi-property portfolio
  • Short-term rental (Airbnb/STR) investors
Why Beacon Lending

When You Work with Beacon Lending, You Get

  • Clear guidance on target DSCR ratios
  • Realistic rent and expense analysis
  • Strategic structuring based on your long-term goals
  • Transparent communication from start to finish
  • Closings in as little as 30 days
FAQs

Frequently Asked
Questions

Most DSCR programs require a minimum credit score of 620-660, depending on the lender and loan structure. Higher credit scores unlock better rates and terms. If you’re purchasing through an LLC with multiple partners, the credit score of the guarantor is what matters — not every member of the LLC.
Yes. Most DSCR loans require 20-25% down for a purchase. The exact amount depends on the property type, your credit profile, and the DSCR ratio. Cash-out refinances typically allow up to 75-80% loan-to-value.
Absolutely. DSCR loans work for both long-term and short-term rentals. For properties without rental history, we can use projected income from platforms like AirDNA to establish the DSCR ratio. You don’t need 12 months of rent rolls to qualify.

Let’s Make Your DSCR Loan Work for You — Talk to an Expert

We’ll review your investment goals and structure the right DSCR financing strategy to help you scale with confidence.

Book an Appointment
Locations

Beacon Lending Locations

Beacon Lending helps structure DSCR financing across multiple states. Our focus is simple: loans that support rental income and long-term investment growth.

Austin, Texas

Idaho

St. Petersburg, Florida

Denver, Colorado