Finance Your Next Investment Property Without Income Verification
A smarter solution for real estate investors—qualify based on rental income, not employment or tax returns.
Program Features
- Loan amounts up to $2.5 million
- Credit scores starting at 620
- No income or employment documentation required
- Eligible for SFR, 2–4 unit properties, and condos
- Unlimited number of financed properties
- LLC and corporate closings permitted
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We Help Investors Fund Their Next Deal Hassle-Free
At Milend, we understand that traditional mortgage requirements don’t always align with how real estate investors operate. That’s why we offer DSCR (Debt Service Coverage Ratio) loans that focus on the performance of the property—not your personal income. If the numbers make sense, we can help you close quickly and confidently. Whether you’re expanding your portfolio or refinancing an existing asset, our team will work with you to structure the right solution for your goals.
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Why our Clients Love MiLEND
FAQs
Q: What types of loans are available for real estate investors?
Real estate investors have several financing options, including conventional loans, private money lending, and DSCR (Debt Service Coverage Ratio) loans. Our DSCR program is specifically designed for investors who prefer a streamlined approach based on property cash flow.
Q:How much is typically required for a down payment?
Most investment property loans require a minimum down payment of 20%. This can vary depending on the property type and your overall credit profile.
Q:Can I qualify without showing income or employment?
Yes. Our DSCR loans are designed to eliminate the need for personal income verification. We qualify based on the income the property generates.
Q:What exactly is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan evaluates whether the rental income from a property can cover the loan payments. It allows for a simpler, more efficient underwriting process for investors.
Q:Is there a limit to how many properties I can finance?
No. We do not limit the number of properties you can finance under our DSCR program. It’s a flexible solution built for scalable portfolios.
Q:Can I purchase a property through an LLC or business entity?
Yes. We allow closings in the name of an LLC or other business entities, which can be beneficial for asset protection and tax purposes.
Q:What credit score is required to qualify?
We offer options for credit scores starting at 620. Stronger credit may help improve terms, but we’re happy to explore solutions regardless of where you stand today.
Q:How long does it take to close on a loan?
Most DSCR loans close within 21 to 30 days. We’ll keep the process efficient so you can focus on your investment.
Q:Can I use projected rental income to qualify?
Yes. We accept market rent estimates or actual lease income to determine DSCR qualification. This helps make pre-stabilized or new rental properties eligible.