DSCR Loans
Qualify using your property's rental income instead of personal income — built for real estate investors.
Talk to a Local ExpertWhy investors choose DSCR loans.
Qualify on rental income
No personal income documentation required — approval is based on the property's cash flow.
No limit on financed properties
Build your portfolio without the property-count caps conventional financing imposes.
Fast closings for investors
In-house underwriting means fewer delays when you're competing for a deal.
Short-term rentals welcome
Projected income from platforms like Airbnb can count toward qualification.
Ready to run the numbers on your next property?
DSCR qualification works differently than a typical purchase loan. Watch a short walkthrough of the steps, or connect directly with a local expert who works with investors regularly.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about DSCR ratios or short-term rental income? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the DSCR program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure DSCR Loans is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
The 3 Economic Indicators We Watch Every Week (And Why They Matter to Mortgage Rates)
6 Signs You’re Ready to Buy a Home (Not Just Financially)
What Do Mortgage Lenders Look At? 5 Things to Get in Order Before You Apply
