DSCR Loans:
States We Serve
DSCR Investor Lending
Mortgages by Channing offers DSCR loans in 33 states. No income verification, no tax returns, qualify on the property's rental income alone.
✓ No tax returns
✓ No personal income required
✓ LLC & entity vesting OK
✓ Short-term rental eligible
Coverage Map
33 States & Growing
Find your state below. Each state page includes DSCR loan requirements, rates, and eligible property types. Don't see your state? Contact us, our footprint is expanding.
LLC / Corp Only, the loan must be vested in an entity
Washington DC
DC
DSCR loans available for individuals and entities in the District.
View StateGet a QuoteAlaska
AK
LLC / Corp OnlyAvailable to LLC and corporate borrowers. Individual vesting not offered.
View StateGet a QuoteFlorida
FL
LLC / Corp OnlyAvailable to LLC and corporate borrowers. Individual vesting not offered.
View StateGet a QuoteGeorgia
GA
LLC / Corp OnlyAvailable to LLC and corporate borrowers. Individual vesting not offered.
View StateGet a QuoteKansas
KS
LLC / Corp OnlyAvailable to LLC and corporate borrowers. Individual vesting not offered.
View StateGet a QuoteDSCR Resources
DSCR Loan Blog & Guides
Everything you need to understand DSCR investing, from how the ratio is calculated to which markets are performing right now.
What Is a DSCR Loan and How Does It Work for Louisiana Investors?
DSCR loans let you qualify on rental income instead of W-2s. Here's how they work, what the requirements are, and why Louisiana investors use them.
Read the guideWhat Is a DSCR Loan? No W-2s, No Tax Returns
DSCR loans qualify based solely on the property's rental income, no personal income verification required. Learn how the math works and who qualifies.
Read the guideHow to Calculate Your DSCR Ratio
DSCR = Net Operating Income ÷ Total Debt Service. Most lenders require 1.0 to 1.25. Run the numbers on your deal and see what ratio you need.
Use the calculatorDSCR Loans for LLCs, Vest Property in Your Entity
DSCR loans are one of the few mortgage products that vest directly in an LLC or corporation. Here's how entity vesting works and what changes for your deal.
Read the guideDSCR Loan Requirements: Credit, LTV, Reserves & More
What credit score, down payment, and reserves do you need? Full breakdown of DSCR loan eligibility requirements across all property types.
View requirementsDSCR vs. Conventional Investment Property Loans
Conventional investment loans require personal income docs. DSCR doesn't. Full side-by-side on down payment, rates, and qualifying criteria.
Compare nowThe Application
Apply From Your Phone In Fifteen Minutes
No tax returns and no pay stubs. The application runs on your phone, and we qualify the property on the rent it brings in.
- Starts with a soft credit check, so your score is never touched
- No tax returns, the property qualifies on the rent it brings in
- Upload documents with your phone camera, no scanner needed
- You hear back from Channing, not from a call center queue
If the numbers say wait, I'll tell you that too, and then we make a plan to fix whatever is in the way.
Complete Your Application
Five short steps. Most people finish in about fifteen minutes.
- Tell us what you're looking for
- We check the property's rent
- Upload your documents
Your pre-approval letter is ready. I sent it to your email and to your agent.
Got your application. I'm reviewing it now and will call you this afternoon.
Real Closings
Real Clients.
Real Closings.
Real families we have helped get from pre-approval to keys in hand.
Find Out Where You
Actually Stand
A soft credit check tells you what you qualify for before anyone pulls hard credit. If the numbers say wait, I will tell you that too, and then we make a plan to fix whatever is in the way.
Get a DSCR QuoteMortgages by Channing · 337-476-2623 · Licensed across Louisiana · NMLS #1457759
