Get Up to $5M in DSCR
Funding in 48 Hours
Finally — funding that works for self-employed investors who move fast, not bank borrowers buried in paperwork
Only move forward when the deal makes sense — no income docs, no bank games.
Tap start below to see how it works — then check what kind of funding your next property could unlock on the next page
Note: Limited spots weekly. We only take 7–10 deals per week to ensure fast closings
What to Expect:
✅ Pre-Approval (24–48 Hours)
✅ Up to 85% LTV on Purchases — Keep More Cash in Hand
✅ Flexible Terms — 30-Year Fixed or 5/1, 7/1 ARMs Available
✅ Competitive Rates Starting in the 6–8% Range (No Bank Games)
✅ Loan Amounts Up to $5M Based on Property Cash Flow
❌ No W-2s, Tax Returns, or Personal Income Required
❌ No Hard Credit Pull to Get Approved — No Upfront Fees or Obligations
🏆 You're Pre-Qualified If:
✅ You own or are buying a rental property
✅ The property earns monthly income
✅ You’re tired of losing deals to slow banks
✅ You want fast funding without W-2s, tax returns, or income proof
📍 No income docs · No upfront fees · No hard credit pull required to apply
Fast FAQ's
No Tax Returns or W-2s Needed
You qualify based on the property’s cash flow — not your personal income.
No W-2s, tax returns, or pay stubs required.
Minimum Credit Score to Qualify
Most approvals start at a 660+ credit score.
Some exceptions available — reach out if you’re close.
Get Pre-Approved in 24–48 Hours
Submit basic deal details and get a decision within 1–2 business days — no long waits, no red tape.
What Types of Properties Qualify?
Single-family rentals, 2–4 unit properties, condos, townhomes, and some small multifamily (up to 8 units) can qualify
No Hard Credit Pull, No Upfront Fees
Initial approval is a soft pull only — it won’t affect your credit score.
Plus, there are zero upfront fees to apply.
From “Denied by Banks” to
Pre-Approved in 48 Hours
The Proof is in the Reviews:
Verified Investor
"No w-2? No problem"
I’m self-employed with no traditional income proof. Still got pre-approved in under 48 hours.
Posted 4-16-25
Verified Investor
"Finally felt in control"
I wasn’t waiting, guessing, or begging. This system gave me actual leverage as an investor.
Posted 4-12-25
Verified Investor
"The banks said no. This said yes."
Everyone wants the lowest rate. I get it. But speed, trust, and certainty? That’s what actually gets deals done. I’d rather close fast at 8% than wait 45 days and get beat — again.
Posted 4-8-25
Verified Investor
"Didn’t even check my credit"
They didn’t run my credit or ask for personal income docs. I couldn’t believe it.
Posted 4-6-25
Verified Investor
"I was tired of missing deals"
I waited too long once — and the rate shot up mid-deal. That mistake cost me $31K over the life of the loan. I told myself never again. When Upsell said I could lock in fast, I didn’t hesitate. Best call I’ve made all year.
Posted 4-5-25
Verified Investor
"The numbers spoke for me"
They looked at the property cash flow — not my personal history. That changed everything.
Posted 4-6-25
Verified Investor
"Felt like it was built for me"
Most funding is built for W-2 people. This system actually works for investors like me.
Posted 4-6-25
Verified Investor
"No junk fees, no drama"
Everything was upfront, clean, and pressure-free. I didn’t pay a dime to apply.
Posted 4-6-25
Verified Investor
"Legit pre-approval in 2 days"
I filled out the form on Monday. Had my pre-approval letter before Wednesday ended.
Posted 4-5-25
Frequently Asked Questions
What is a DSCR loan, and how is it different from a regular mortgage?
DSCR loans qualify you based on a property’s cash flow — not your W-2 income, tax returns, or employment history.
Traditional mortgages require personal financials.
This one doesn't.
Who is a DSCR loan ideal for?
Real estate investors, Airbnb hosts, flippers transitioning to buy-and-hold — anyone whose deals make money but who can’t (or won’t) qualify with a bank.
Do I need tax returns or W-2s to get approved?
No.
That’s the entire point!
DSCR loans are based on cash flow of the property, not your personal income or job history.
What’s the minimum credit score to qualify?
There’s no exact number, but you don’t need a high score.
Our partners fund deals with average credit if the deal makes sense.
How fast can I get approved?
With our 48-Hour DSCR Fast-Track System, most investors get pre-approved in 24–48 hours — no income docs required.
What’s the minimum down payment?
Most deals require 20–25% down, depending on the rental income and property type.
Can I use a DSCR loan to refinance?
Yes.
You can do a cash-out refi with up to 80% LTV as long as the rental income supports the debt.
What types of properties qualify?
Single-family, 1–4 units, 5+ multifamily, mixed-use, short-term rentals, and some commercial.
If it cash flows, it’s eligible.
Can I live in the property?
No.
DSCR loans are for non-owner occupied investment properties only.
What if the property doesn’t cash flow yet?
It may not qualify.
These loans are based on projected or actual rental income vs. the loan payment.
We can help you analyze it.
What’s considered a good DSCR ratio?
A DSCR of 1.0 or higher means the property earns enough to cover the loan.
The higher, the better.
Some lenders approve deals below 1.0 with compensating factors.
Are DSCR loans considered hard money loans?
No.
DSCR loans are long-term (30-year fixed) financing options — not short-term hard money.
Can I get a DSCR loan as a first-time investor?
Yes — as long as the deal cash flows, you don’t need a portfolio to qualify.
Are there prepayment penalties?
Some programs have them.
We’ll show you the terms up front so you can choose what fits best.
How is DSCR calculated?
It’s rental income ÷ monthly loan payment.
Example: If you earn $2,000/month and the payment is $1,500, your DSCR is 1.33.
Can I get funding even with low or average credit?
Yes.
We focus on the deal — not your FICO score.
High credit is a bonus, not a requirement.
Where are DSCR loans available?
We work with lenders offering nationwide coverage — so no matter where your deal is, we likely have an option.
What fees should I expect?
There are no upfront fees through us.
Lender fees vary but are disclosed clearly before you move forward.
What if I’m self-employed or don’t have consistent income?
Doesn’t matter.
These loans are built specifically for self-employed and 1099 investors who rely on property income.
Why use this vs. going directly to a bank or broker?
Most banks won’t touch you without full docs.
And brokers shop around — but slow things down.
We built this system to get you routed to funding that actually fits — fast.
Why do banks make it so hard to get approved, even when the deal makes sense?
Banks look at you — not the property.
DSCR lenders look at the property's ability to pay for itself, which removes unnecessary friction.
I’ve already been denied by my bank — what makes this any different?
DSCR loans don’t rely on W-2s, tax returns, or employment history.
If the property cash flows, you can qualify — even if banks said no.
Can I use this loan process anytime I find a good deal?
Yes.
Once you're approved through our system, you’ll have a reliable path to funding that you can activate deal after deal.
Do I get to choose the terms, or am I stuck with whatever the lender gives me?
You’ll see multiple options — loan terms, rates, structures — and you stay in control of which you move forward with.
How fast can I close once I’m pre-approved?
Many investors close within 10–21 days depending on title and appraisal.
Pre-approval happens within 24–48 hours.
Can I skip the pre-approval and just apply for the loan directly?
Pre-approval is how we move fast.
It gives you leverage, locks your position in the queue, and saves you time later in the process.
What if my credit score is below average — will I still qualify?
Possibly.
We’ve helped investors with less-than-perfect credit get approved because the deal cash flows.
Credit is not the gatekeeper here.
I’m self-employed and don’t show much income on paper — will that hurt me?
Not at all.
DSCR loans ignore your personal income.
As long as the property income supports the loan, you're good.
Do I have to explain why I got denied by other lenders?
No.
We don’t ask about your past — we focus on the numbers in front of us.
If your deal makes sense, we move forward.
What if I’ve never done this before — will I look unqualified?
Not at all.
First-time investors use this exact system to break into the market.
We’re here to help you look fundable — not judge you.
201-890-4451
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Results are not guaranteed. All performance depends on strategy, budget, audience, and market conditions. Past success does not ensure future results. Any income or results stated are not typical and not guaranteed. The results you see are based on individual effort, experience, and audience size. We do not promise or imply that you will make any specific amount of money. Your results may vary.This site is not a part of the Facebook™ website or Facebook Inc. This site is not endorsed by Facebook™ in any way. Facebook™ is a trademark of Facebook, Inc. Additionally, this site is not affiliated with TikTok™, ByteDance Ltd., or any of their subsidiaries. TikTok™ is a trademark of ByteDance Ltd.Upsell Solutions LLC is not a lender and does not make loan decisions. We partner with licensed lending institutions to facilitate financing. Loans are funded by Fundrock Capital. Upsell Solutions LLC participates in affiliate partnerships and may receive compensation from referred lenders.For full licensing information, disclosures, and additional lender details, please visit Fundrock Capital's official website https://fundrockcapital.com.
“Tired of banks playing games with your time? You’re one deal away from breaking through — we’re the plug that makes it happen.”