DSCR Loans
DSCR loans qualify based on the property's rental income — not your personal tax returns or employment history. We arrange DSCR financing from $100K to $3M+ for real estate investors nationwide. No W2s. No income verification. No conventional loan limits.
Who It's For
Your business income is real but your tax returns show write-offs that reduce your qualifying income. DSCR loans look at the property, not your Schedule C.
You've maxed out conventional loan limits or don't want your personal DTI affected. DSCR loans let you keep adding doors without the conventional income math getting in the way.
You own or are buying an Airbnb or VRBO property. DSCR lenders with STR programs will use your actual rental income — not a conservative long-term market rent estimate.
You have equity in a rental property and want to pull cash out to fund the next acquisition. DSCR cash-out refinances let you access that equity without documenting personal income.
Common Questions
Tell us about the property and we'll come back with an honest fit assessment — typically within 24 hours. No automated gatekeeping, no upfront fees.
AlloFunding is a commercial finance broker. We do not lend directly. Loan terms are subject to lender approval and may vary based on property type, location, and borrower profile. All financing is for investment and commercial purposes only.