Real Estate Investor Financing

Stop Letting Your Tax Returns
Hold Back Your Portfolio

DSCR loans let you qualify based on what your investment property actually earns — not your personal income, W-2s, or tax returns. If the rent covers the payment, you're in.

Apply for Investor Loan → 📞 Talk to George
No
Tax Returns
No
W-2 Required
1–4
Unit Properties
Fast
Closings

Do You Qualify?

DSCR loans are simpler than you think. Here's what we look at:

✓
The property's rent covers the mortgage payment (DSCR ≥ 1.0 typically)
✓
Credit score of 620+ (better rates at 680+)
✓
20–25% down payment on investment property
✓
Property must be non-owner occupied (rental, not primary home)
✓
No limit on number of properties you already own
Start Your Application →

Or call George directly: 502.200.8475

Investor Loan Programs
Every Tool You Need to Build Your Portfolio

From your first rental to your tenth — TAL has the investor loan programs that banks and credit unions simply can't offer.

📊

DSCR Loans

The flagship investor loan. Qualify based on the property's rental income — zero personal income documentation required. Perfect for self-employed investors, LLCs, and high-volume portfolio builders.

No W-2s or tax returns
Qualify in an LLC or corporation
Single-family, condos, 2-4 units
Short-term rental income accepted
No limit on number of financed properties
Rates from ~7.25% APR (est.)
🔨

Fix & Flip Loans

Short-term bridge financing to purchase and renovate distressed properties. Fast approvals, interest-only payments, and flexible terms so you can move quickly on deals before other investors do.

Close in as little as 10 days
Financing for purchase + renovation costs
Interest-only during the project
Up to 90% of purchase price
6–24 month terms
No prepayment penalty
🏡

Short-Term Rental (STR) Loans

Finance your Airbnb, VRBO, or vacation rental using projected short-term rental income instead of traditional lease income. We use market rental data to qualify — not just what the property currently earns.

Qualify on Airbnb / VRBO income
Market rental surveys accepted
Single-family and multi-unit
Full DSCR program benefits
Purchase or cash-out refinance
🏢

Multi-Family Loans (2–4 Units)

Duplex, triplex, and fourplex financing with investor-friendly terms. Use rental income from the other units to help qualify. A powerful way to house-hack your way to portfolio growth.

2, 3, and 4-unit properties
Rental income from all units counts
Owner-occupied or pure investment
Conventional and DSCR options
As low as 5% down (owner-occupied FHA)
Why TAL vs. a Bank
The Broker Advantage for Investors

Most banks can't do DSCR loans at all. As a broker, TAL shops dozens of investor lenders to find you the best terms on every deal.

Feature TAL (Broker) Typical Bank Hard Money Lender
DSCR / Investor Loans✓ Yes✗ Rarely✓ Yes
No Tax Returns Required✓ Yes✗ No✓ Yes
Competitive Rates✓ Multiple lendersVaries✗ High (10–14%)
Close in LLC/Corp✓ Yes✗ Rarely✓ Yes
30-Year Fixed Options✓ Yes✓ Yes✗ No
No Limit on Properties Owned✓ Yes✗ Usually 4–10 max✓ Yes
Short-Term Rental Income✓ Accepted✗ No✓ Yes
Local Louisville Knowledge✓ YesVaries✗ Often national
Investor FAQs
Common Questions Answered
What does DSCR actually mean and how is it calculated?
DSCR stands for Debt Service Coverage Ratio. It's calculated by dividing the property's monthly gross rental income by the total monthly mortgage payment (principal, interest, taxes, insurance, and HOA if applicable). A DSCR of 1.0 means rent exactly covers the payment. Most lenders want 1.0 or higher, though some programs allow lower with a stronger down payment or credit score.
Do I really not need to show my personal income or tax returns?
Correct. For DSCR loans, the lender qualifies the property — not you personally. They'll look at a current lease agreement or a market rent analysis (we can help with this) rather than your W-2s, pay stubs, or tax returns. This makes DSCR loans particularly powerful for self-employed investors, business owners, and anyone with complex tax situations.
Can I close in an LLC?
Yes! Unlike most conventional loans, DSCR loans allow you to purchase or refinance in the name of an LLC or corporation. This is a major advantage for investors who want liability protection and cleaner accounting for their rental portfolio.
What credit score do I need?
Most DSCR programs require a minimum credit score of 620, though you'll get significantly better rates at 680 and above. Fix & flip programs vary but generally start around 600–620. We'll help you understand exactly where you stand and what programs you qualify for before you apply.
How much do I need to put down?
Most DSCR loans require 20–25% down on investment properties. Fix & flip loans can finance up to 90% of the purchase price plus renovation costs in some cases. Multi-family properties occupied by the owner may qualify for lower down payments through FHA or conventional programs.
Can I use projected Airbnb or short-term rental income to qualify?
Yes. Many of our DSCR lenders accept short-term rental income projections using market data from platforms like AirDNA. You don't need an existing lease — the lender uses a market rent analysis to determine what the property could earn as a short-term rental.
How fast can you close?
DSCR loans typically close in 21–30 days. Fix & flip bridge loans can close in as little as 10 days in some cases. Speed is a real advantage of working with TAL — less paperwork means faster decisions, which means you can move on deals before other investors do.
I already own several rentals — can I still get another investor loan?
Absolutely. DSCR loans typically have no limit on the number of financed investment properties you can hold — unlike conventional loans which cap you at 10. Some programs have no portfolio limit at all, making them ideal for serious portfolio builders.

Ready to Close Your Next Deal Fast?

Talk to George today. Whether you're buying your first rental or adding to a growing portfolio, we'll find the right investor loan program and get you to the closing table.

Apply for Investor Loan → 📞 502.200.8475 ← Back to Main Site

George Dunlap | Totally About Lending LLC | NMLS #2115932 | Company NMLS #2490020 | 802 Stone Creek Pkwy Ste 6, Louisville, KY 40223 | Equal Housing Lender | All loans subject to credit approval. Rates shown are estimates. Not a commitment to lend.