● Primary Product — Investor-First Lending

DSCR Loans — Qualify on Rental Income, Not Your W‑2.

The loan product built for investors who scale with cash flow. No tax returns. No income verification. No employer letters. Just the deal and the numbers.

You didn't build your investment strategy around a W‑2 — so why should your financing depend on one? DSCR loans let you qualify based on what the property earns, not what you report on your tax returns. It's the product that serious investors use to scale past the limits of conventional lending — and it's the product I've structured hundreds of times.

I'm Randall LeBlanc I've funded over $100M in investment loans and closed 300+ deals for investors running BRRRR strategies, building STR portfolios, and scaling across state lines. If you're ready to stop fighting with lenders who don't understand your business — you're in the right place.

Book Your DSCR Strategy Call → See How DSCR Works ↓

How DSCR Loans Work — In Plain English.

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Monthly Rental
Income

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Monthly Debt
Payment

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DSCR
Ratio

DSCR stands for Debt Service Coverage Ratio. It's a simple formula: If the property's income covers the debt, you can qualify — regardless of what your personal tax returns say. That's it. No income verification. No employer letters. No two years of W‑2s. The property does the talking.

This is why DSCR has become the go-to product for investors who are self-employed, hold multiple LLCs, or simply don't want their personal income scrutinized for every deal they close.

I've structured DSCR loans for single-family rentals, duplexes, triplexes, quads, small multifamily, and short-term rentals across the country. I know the product inside and out — and more importantly, I know how to structure it so your deal actually makes sense.

DSCR Loans Are Built for Investors Like You.

If any of these describe your situation, DSCR is likely the right move.

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Self-Employed or Business Owner

You'd rather not hand over two years of tax returns for every deal you close.

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Invest Out of State

You need a lender who understands how DSCR works in markets you've never lived in.

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Running BRRRR Strategy

You need to refinance based on the property's performance, not your personal income.

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Scaling Past 1–2 Properties

Conventional lending can't keep up with your pace. DSCR removes the ceiling.

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Want to Close in Your LLC

Keep your investment portfolio structured properly with entity-level financing.

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Buying a Short-Term Rental

You need a lender who actually knows how STR income is evaluated for DSCR.

Sound Like You? Let's Talk Strategy →

Built for How Investors Actually Operate.

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No Income Verification Required

Qualify based on the property's cash flow — not your W‑2, tax returns, or employment history. Your deal speaks for itself.

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Close in Your LLC or Personal Name

Structure your deals the way your CPA and attorney recommend. We work with both entity and individual borrowers.

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Long-Term and Short-Term Rentals

Whether you're running a 12-month lease or an Airbnb — DSCR works for both strategies. I've structured deals across both models.

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Cash-Out Refinance Available

Pull equity out of performing properties to fund your next acquisition. This is how BRRRR investors scale.

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Interest-Only Options

Maximize cash flow in the early years with interest-only payment structures. Ideal for investors focused on NOI optimization.

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Nationwide Coverage

I fund deals across the country. Whether your property is in Memphis, Phoenix, Cleveland, or Jacksonville — I've likely closed in that market.

All loans subject to credit approval. This is not a commitment to lend. Terms, conditions, and rates are subject to change without notice. RL Capital Funding | NMLS #2152470 | Equal Housing Lender. Mortgage loans originated through Cornerstone First Mortgage.

From Strategy Call to Funded. Three Steps.

No 60-day timelines. No call center runaround. Just a clear, investor-grade process from first conversation to closing.

Book a DSCR Strategy Call

We start with a conversation — not an application. Walk me through the deal: the property, the market, the cash flow projections, your strategy. No commitment. No pressure. Just 15 minutes of real talk with someone who's done this 300+ times.

Get Your Custom Loan Structure

I match the right DSCR product to your deal. Purchase or refinance. Long-term or short-term rental. Interest-only or fully amortized. You get clarity on your options before any paperwork hits your desk.

Close and Scale

Direct communication at every stage. You talk to me, not a processor you've never met. We close your deal, and then we start planning your next one — because I'm not here to fund one deal. I'm here to help you build a portfolio.

Start Your DSCR Strategy Call →

DSCR Deals We've Funded.

Every deal below was funded using a DSCR loan — no tax returns, no income verification, just the right structure for the right investor.

BRRRR

4-Unit Multifamily — Memphis, TN

Out-of-state investor acquired a 4-unit property generating $4,800/month in gross rental income. DSCR loan closed in the investor's LLC with a cash-out refinance 6 months later to fund the next acquisition. Classic BRRRR execution.

Out-of-State LLC Cash-Out Refi BRRRR

Short-Term Rental

Short-Term Rental — Scottsdale, AZ

Self-employed investor purchased a vacation rental property with projected Airbnb income well above the debt service. No tax returns required. Closed with an interest-only structure to maximize year-one cash flow.

Self-Employed Airbnb Interest-Only

Cash-Out Refi

Cash-Out Refi — Cleveland, OH

Investor with 6 existing properties needed to pull equity from a stabilized rental to fund a new acquisition. DSCR cash-out refi closed smoothly — no income docs, no employment verification. Recycled capital, kept scaling.

6 Properties Recycled Capital No Income Docs

★★★★★ 5.0 Stars | 20 Reviews on Google

★★★★★

"He is truly a magician with loans. Gets everything closed quickly and smoothly. He is a Boss!"

— Megan A., Google Review

★★★★★

"Helped my husband and I buy an investment condo. Even when the appraisal came back low, Randall worked through it and got the deal done."

— Shoni, Google Review

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DSCR Questions Investors Ask Before They Call.

What DSCR ratio do I need to qualify?

The required ratio depends on the loan program and the specific deal. Generally, lenders look for a ratio where the property's rental income covers the debt payment — but there are options even if the ratio is tight. On our strategy call, I'll walk you through exactly where your deal stands and what structures are available.

Can I use a DSCR loan for a short-term rental or Airbnb?

Yes. DSCR loans work for both long-term and short-term rental strategies. The key difference is how income is evaluated — STR income is often calculated using projected or historical booking data rather than a signed lease. I've structured DSCR loans for Airbnb properties across multiple markets and know how to position your deal correctly.

Do I need a property management agreement?

It depends on the lender and the deal structure. Some DSCR programs require a property management agreement, especially if you're an out-of-state investor. I'll let you know exactly what's needed for your specific situation — no surprises.

Can I close in my LLC?

Absolutely. One of the biggest advantages of DSCR loans is that most programs allow you to close in an LLC or other business entity. This is critical for investors who want asset protection and clean portfolio structuring. I work with LLC closings regularly.

How is DSCR different from conventional financing?

Conventional loans require income verification, tax returns, W‑2s, and often limit the number of financed properties you can hold. DSCR removes all of that. Qualification is based on the property's income, not yours. There's no limit on how many DSCR loans you can have, which makes it the preferred product for investors who are actively scaling.

What types of properties qualify for DSCR?

DSCR loans work for single-family rentals, duplexes, triplexes, fourplexes, condos, townhomes, and in some cases small multifamily (5+ units). Both long-term and short-term rental properties are eligible. I'll confirm your property type qualifies on our strategy call.

Are DSCR loan rates higher than conventional?

DSCR rates are typically higher than conventional rates because there's no personal income verification, which represents more risk to the lender. But here's what most investors get wrong: the rate isn't the whole picture. DSCR gives you speed, scalability, and the ability to close deals that conventional simply can't touch. I'll help you evaluate whether the numbers work for your specific deal.

Still Have Questions? Book a Call →