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Qualify for a DSCR Loan
Expand Your Investment Portfolio!

No personal income requirements & No upfront costs!

We will pay for the appraisal and only get reimbursed when the loan closes. We also have 40-year fixed rates, loan amounts ranging from $100,000 to $3,000,000, and credit scores as low as 640

Grow Your Investment

Trusted. Experienced. Secure.

Streamlined Financing for Real Estate Investors

At Independent Home Finance Inc., we specialize in providing Debt Service Coverage Ratio (DSCR) Loans to help real estate investors grow their portfolios. Whether you're purchasing a new income-generating property or refinancing for better terms, our DSCR Loans offer the flexibility you need—no personal income required!

How a DSCR Loan Works

DSCR Loans qualify based on property income, not your personal financial profile. Here’s a simple breakdown:

  • Step 1: We assess the property’s Net Operating Income (NOI) and Total Debt Service.
  • Step 2: If the property generates enough income to cover the loan payments, you’re approved!
  • Step 3: Use the loan to purchase, refinance, or develop income-generating properties.

Key Benefits of a DSCR Loan

No Personal Income Documentation

Qualify based solely on property income, perfect for investors and self-employed individuals.

Fast and Simple Approval Process

With a focus on property cash flow, your loan approval is quick and efficient.

Nationwide Coverage

Whether you're investing in California, Colorado, Texas, or anywhere across the U.S.

Flexible Financing Options

Our No-Ratio DSCR Loans make it easy to qualify, even if you have non-traditional financial backgrounds or irregular income.

No-Ratio DSCR Loans for Flexible Financing

Our No-Ratio DSCR Loans focus entirely on the property’s income potential—not your personal financials. These loans are ideal for:

  • Investors with Non-Traditional Income Sources
  • Self-Employed Individuals with Irregular Income
  • Those Seeking Fast, Property-Based Approval

Simplified approval. Quick funding. Flexible terms.

Ready to Expand Your Investment Portfolio?

Take advantage of our DSCR Loan programs to secure financing based on property income—no personal income required! Whether you’re investing in California, expanding in Colorado, developing in Texas, or exploring opportunities nationwide, we’re here to help.

Get Started Today!

Common DSCR Questions:

California's Most Trusted DSCR Broker

Why Choose Independent Home Finance Inc.?

At Independent Home Finance Inc., Tim Kyle and his experienced team guide real estate investors through the DSCR Loan process. Here’s why clients trust us:

  • Nationwide Expertise: With a deep understanding of both local and national markets, we help you navigate the complexities of DSCR Loans.
  • Customized Solutions: Whether you need a traditional DSCR Loan or a No-Ratio DSCR Loan, we tailor our services to meet your investment goals.
  • Client-Centered Service: We prioritize clear communication and personalized support, ensuring you're confident at every step.
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"Independent Home Finance Inc. made the DSCR Loan process incredibly smooth and stress-free. Tim and his team were knowledgeable, responsive, and truly understood my needs as a real estate investor. Thanks to their expertise, I was able to expand my portfolio in no time. I highly recommend them to any investor looking for flexible and efficient financing options!"

- Audrey H., July 2018

Independent Home Finance, Inc.
States Licensed in: TX and CO
NMLS #2394450