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DSCR Loans in the Outer Banks

Finance your OBX investment property using rental income - often without traditional income verification. 

Built for Real Estate Investors

Traditional lenders make it hard to scale. DSCR loans are designed specifically for savvy investors like you.

Skip the W-2s, tax returns, and pay stubs. Your property's rental income is what matters.

 

Build your portfolio without hitting lending limits. Finance multiple investment properties.

Options starting at just 15% down for qualified borrowers with strong DSCR ratios.

Streamlined process means you can close in as little as 21 days and start earning.

Close in your LLC, corporation, or trust name for liability protection and tax benefits.

Access institutional-quality financing with rates competitive to traditional mortgages.

Get Started

Ready to Invest in the Outer Banks? Get pre-qualified in minutes with no impact to your credit score. Our team specializes in Outer Banks investment properties and understands the unique opportunities this market offers. - Same-day pre-approval available - No income documentation required - Close in as little as 21 days - Dedicated loan specialist assigned

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Calculate Your DSCR

We analyze your property's expected rental income divided by the mortgage payment (PITI). A ratio of 1.0+ means you qualify.

Simple Application

No tax returns or employment verification. Just basic property info, a credit check, and your investment goals.

APPLY 

Property Appraisal

We'll order an appraisal to confirm the property value and rental income potential based on local market data.

 

Close & Cash Flow

Sign your documents, receive your keys, and start generating rental income from your Outer Banks investment.