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DSCR & Non-QM loans

Your property's rent qualifies you. Not your W-2.

FC Lending connects real estate investors and self-employed borrowers with the right loan. DSCR lenders compare a property's rent to its full monthly payment. Run your numbers and we'll shop the deal for you.

10+ We work with more than 10 wholesale lenders and shop every one of them to find you the best rate and terms.
No tax returnson DSCR loans
LLC vestingsupported
1–4 unit & STRproperties

Will your rental qualify?

Enter your deal to see your DSCR. We'll send you rates from 10+ wholesale lenders.

Where should we send your results?

By calculating, you agree to be contacted by an FC Lending loan officer about your scenario. No credit pull.

Loan programs

Loans your bank won't write.

Each wholesale lender has its own guidelines. We match your scenario to the lenders where it prices best.

Investor

DSCR loans

Qualify on the property's rental income. No personal income docs, no DTI.

Qualifies on
Lease or market rent
Vesting
Individual or LLC
Investor

Short-term rental

DSCR financing for Airbnb and VRBO properties using projected or trailing STR income.

Qualifies on
AirDNA or 12-mo history
Use
Purchase or refi
Self-employed

Bank statement

Use 12 or 24 months of personal or business deposits in place of tax returns.

Qualifies on
Average deposits
Occupancy
Primary, 2nd, investor
Self-employed

P&L only

A CPA-prepared profit and loss statement stands in for full income documentation.

Qualifies on
CPA-prepared P&L
Best for
Heavy write-offs
High net worth

Asset depletion

Turn liquid assets into qualifying income when earnings don't show on paper.

Qualifies on
Eligible assets
Best for
Retirees, investors
Specialty

Foreign national & ITIN

Financing for borrowers without a U.S. credit history or Social Security number.

Qualifies on
Alt. credit, assets
Use
U.S. property

How it works

Four steps. One call.

One conversation with us replaces calling a dozen lenders yourself.

  1. Run your numbers

    Use the DSCR calculator to see how your rental stacks up. No hard pull.

  2. We shop 10+ lenders

    We price your loan across our wholesale lender network and compare terms side by side.

  3. Pick your best option

    You see rate, points, prepay, and reserves for each offer, with a clear recommendation.

  4. Close and keep investing

    We manage the file through underwriting and closing, then help you plan the next one.

Who we serve

Real income.
Wrong box.

Talk to a loan officer

Rather talk it through?

Contact our loan officers Get my rate