Investor Loans.
No Tax Returns. No Delays.
Financing for rental properties and investment real estate. No tax returns, no income verification. Nationwide.
Connect with an Investment Loan Specialist →NOW FUNDING IN 40 STATES
Investor Loans Without the Bank Headache
No tax returns. No W2s. DSCR loans that qualify on the property's income — not yours. First-time investors welcome. Close in your LLC. 15% down from a 600 credit score.
Every Program an Investor Needs
DSCR, Alt-Doc, ITIN, Foreign National — we match every borrower profile to the right product.
DSCR — Full Ratio
Qualify on rental income. DSCR ≥1.00. Up to 85% LTV. 600+ FICO. 1-4 units.
DSCR — Below Ratio (0.75–0.99)
Property cash flow slightly below break-even? Still eligible. Up to 80% LTV.
No-Ratio DSCR
No income, no ratio. Asset-based qualification. 680+ FICO. LLC friendly.
DSCR — 5-8 Unit Multifamily
Up to $3M. Purchase at 75% LTV. Cash-out up to 65%. 700+ FICO. Experienced investors.
P&L / CPA Letter
Business owner qualification using a 12-24 month P&L prepared by a CPA.
Asset Depletion
Qualify on liquid assets. No income required. High-net-worth investor solution.
ITIN Loans
No SSN required. ITIN borrowers welcome. Investment properties. LLC eligible.
Foreign National
Non-US residents investing in US real estate. DSCR-based qualification. No US credit required.
Short-Term Rental (STR)
Airbnb & VRBO income eligible. Up to 80% LTV. DSCR ≥1.15 for higher LTV.
Interest Only
Maximize cash flow with IO payments. Available on DSCR ≥0.75. 700+ FICO.
2nd Mortgages
Tap equity without refinancing. Up to 75% CLTV. DSCR qualification — no income docs. 620+ FICO.
Lending Nationwide — 41 States
Investment property loans for rental properties nationwide.
Not sure which program fits? These loans are designed for anyone buying or refinancing a rental property — from your first investment to your 50th. You qualify based on the property's income, not yours. No tax returns, no pay stubs, no employer verification.
Talk to a Specialist →Why Investors Choose Seth Capital Group
We speak investor. No learning curve. No explaining your strategy to a bank.Fast Closings
Our streamlined process gets you to the closing table fast so you never lose a deal on timing.
No Tax Returns
Qualify on rental income, bank statements, or assets — not your AGI. Built for investors, self-employed, and business owners.
LLC Friendly
Vest title in your LLC or entity from day one. Protect your assets and keep your portfolio properly structured.
Up to 85% LTV
The highest LTV in the DSCR market. Preserve your capital, maximize leverage, and scale your portfolio faster.
Nationwide Reach
We fund rental and investment properties in 40 states. Wherever your next deal is, we can finance it.
600 FICO Accepted
We have programs for every credit profile. First-time investors and experienced portfolio builders are both welcome.