Empowering Real Estate Investors Through Smart Financing
Our DSCR Loans are designed for real estate investors who prioritize cash flow over traditional income documentation.
No Income or Employment Verification Needed
With DSCR Loans, there’s no need for W-2s, tax returns, or employment history. Instead, we assess the income generated by your investment property to qualify you. It’s ideal for self-employed individuals or investors with complex financials.
Streamlined Approval Based on Rental Income
The DSCR formula compares your property’s gross rental income to its debt obligations. As long as the property generates enough to cover the mortgage payment, you may qualify. Our streamlined process helps you close deals faster with minimal red tape.
Benefits of DSCR Loans:
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Qualification based on rental income, not personal income
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No tax returns, pay stubs, or employment verification required
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Ideal for real estate investors and self-employed borrowers
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Fast and efficient closing process
Expand Your Rental Portfolio with Ease
Whether it’s your first property or your tenth, DSCR Loans can help you grow your investment portfolio without affecting your debt-to-income ratio. Focus on finding the right property—Home Haven Lending will take care of the financing.
Why Choose Home Haven Lending
At Home Haven Lending, we believe that every borrower deserves personalized, transparent, and expert guidance throughout their home financing journey. We go beyond one-size-fits-all solutions—offering a full suite of loan programs including FHA, VA, Conventional, DSCR, Bank Statement, Home Equity, Non-QM, and No Income Verification Loans tailored to your financial goals.
We are known for
"FAQs"
The right loan depends on your financial goals, credit profile, and income documentation. For example, FHA loans are great for first-time buyers, VA loans are exclusive to veterans, and DSCR or Bank Statement loans work well for self-employed borrowers. Our experts at Home Haven Lending will guide you based on your unique situation.
Yes! We offer Bank Statement Loans and No Income Verification Loans that are specifically designed for self-employed individuals or business owners who may not have traditional proof of income but can demonstrate strong financial stability.
Absolutely. FHA and VA loans often come with low or no down payment requirements. Depending on your eligibility, we’ll help you find the most affordable financing solution available.
Non-QM (Non-Qualified Mortgage) loans are for borrowers who don’t meet conventional lending guidelines. These are ideal for those with irregular income, recent credit events, or unique investment goals. If traditional banks have turned you down, this could be your solution.
The timeline varies by loan program, but most of our clients close within 2 to 4 weeks. No Income Verification and Bank Statement loans often process faster because of reduced documentation requirements.
Florida’s Trusted DSCR Loan Experts
At Home Haven Lending, we understand the Florida rental market and the needs of local investors. Our team is here to guide you through every step—from property assessment to loan closing—ensuring a smooth and successful experience.
