Get Approved in 24-48 hours

DSCR Loans

for Investment Properties Without Income Verification

A simple, fast loan for investors — no tax returns, no W-2s, no DTI requirements.

  • No tax returns needed
  • No income docs required
  • Free evaluation
  • No obligation
  • First-time investors welcome

Future Home Loans has earned over 3,000 5-star Reviews and an A+ rating on the Better Business Bureau (BBB)

Competitive Rates

With up to 80% LTV

Fast Closing

Close in 2-3 weeks

No Income Docs

W-2s not required

Start Your DSCR Loan Evaluation

Learn your personalized DSCR loan options through a simple property-based evaluation by Future Home Loans.

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Over $3.2 Billion

in Loans Funded

10,000+

Happy Investors

3,000+

5 Star Reviews

98%

Approval Rate

Why get a DSCR Loan from Future Home Loans?

DSCR loans are designed specifically for real estate investors who want to expand their portfolio without the hassle of traditional mortgage requirements.

No Income Verification

Approval based on property cash flow, not your tax returns or W-2s. Perfect for self-employed investors.

Flexible Qualifications

We can close in 48 states (all except North and South Dakota). LLCs and foreign nationals welcome. No limit on number of properties.

Competitive Rates

Starting from 7.25% APR with flexible terms. Fixed and adjustable rate options available.

Any Property Type

Single-family, multi-family, condos, and commercial properties all qualify for our DSCR loans.

Dedicated Support

Work with our experienced loan officers who understand real estate investing and can guide you through the process.

Fast Processing

Pre-approval in 24-48 hours, full approval in days, and close in as little as 2-3 weeks.

Simple and Fast 4-Step Process

Getting your DSCR loan is quick and straightforward. Here’s how it works.

1

Submit Application

Fill out our simple online application. Takes less than 5 minutes.

2

Property Evaluation

We analyze the property’s rental income and DSCR to determine approval.

3

Get Approved

Receive your loan approval and lock in your rate within 24-48 hours.

4

Close & Fund

Complete closing documents and receive funds in as little as 2-3 weeks.

WHY THOUSANDS OF INVESTORS TRUST FUTURE HOME LOANS

Over ten thousand real estate investors have been successful with our funding.
We are grateful for their positive feedback with an average rating of 5.0 stars (out of 5.0). Here are a few of the 3,000+ who have given a five out of five star review.

Working with Wally Simpson and the Future Home Loans team (specifically Rose and Bethany) rendered a complete overwrite of a terrible (and expensive!) experience I previously had with a major national lender. They were always kind and most importantly, responsive. My questions were answered quickly, closing cost me less than estimated and the entire process was unbelievably smooth and free of snags or delays. I cannot imagine working with anyone else on a home loan!
Kelly Reynolds - Self Employed
November 2025
Trevor Harrington was outstanding to work with on a refinance. The entire process was only 3.5 weeks from my initial inquiry to closing. He took care of any potential issue I had right away and offered superior customer service. I highly recommend Trevor and his team.
H. DeVore from Florida
October 2025
Ben Wyns at Future Home Loans is the most amazing mortgage broker I have ever worked with. He's communicative, he's on top of things, he's easy to interact with and he guides you through the entire process with professionalism and kindness. He saved me and my husband from an apathetic and slow-moving broker when time was of the essence and got us to the finish line. We closed on our loan today and I am just so appreciative of everything Ben did to help us get here. His team helped us line up home insurance, made sure all the paperwork underwriting needed was wrangled, let us know what we needed to do, etc. Nothing fell through the cracks. Many, many thanks to Ben and Future Home Loans.
Katie McNeal from Jacksonville, FL
August 2025
Trey was very professional, great communication. Always there when I had a question. Excellent customer service couldn’t have asked for a better loan agent.
Trey Pennington from Adren, NC
March 2025
I strongly recommend Tim for first time home buyers or investors. Tim helped us in various loan processes and he is very professional, knowledgable and committed person. He guided us in different situations & took it to smooth closings. He proactively reach out and coordinate with builder,Title and third parties to ensure the timelines meet as per the buyers. I would like to Thank Tim for all the support he provided during this whole process.Looking forward to have few more with Tim.
Ramesh Devda from Davenport, FL
December 2024
I had the pleasure of working with Timothy Finn on the financing for several of my properties, and I couldn’t be more impressed. Timothy is not only incredibly knowledgeable but also highly accessible, always ensuring I get the best possible quote from the market. His expertise and dedication make him my go-to person for all future financing needs. Beyond his professionalism, he is a trusted and highly regarded individual in my community. I highly recommend him to anyone seeking financing solutions.
Harika Ch from Sanford, FL
November 2024

Ready to Get Your
DSCR Loan Approved?

Join 10,000+ satisfied investors who chose Future Home Loans 
for their investment property financing.

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