Whether you're expanding your portfolio or purchasing your first rental, our DSCR (Debt-Service Coverage Ratio) and Investment Property Loan programs are built to help you qualify based on rental income — not your personal income.
🧠 What is a DSCR Loan?
A DSCR Loan is designed for real estate investors who want to qualify for financing using the property’s rental income instead of W-2s or tax returns. If the property generates enough income to cover the mortgage payment, you may be eligible — it’s that simple.
💡 Ideal for:
First-time and seasoned property investors
Individuals with non-traditional income
Borrowers expanding rental portfolios
LLCs and business entities investing in real estate
📈 Why Choose AM&FT for DSCR & Investment Loans?
✔️ No Income Verification: Approval based on cash flow from the property
✔️ Flexible Terms: Options for fixed or interest-only payments
✔️ Work with Experts: We guide you from offer to ownership
🏠 Property Types We Finance
Single-family rentals
2–4 unit properties
Short-term and long-term rental homes
Condos, townhomes, and more
Review
What Our Clients Are Saying
More than 98% of our clients report a stress-free experience, and results that exceeded expectations.
"Alexander and his team made my home buying journey feel effortless. As a first-time buyer with a unique income situation, I expected roadblocks—but they delivered clarity, speed, and results. Highly recommend!”
Samantha R
First-Time Buyer | Arizona
“I’ve worked with several lenders, but this team understands real estate investing like no one else. They helped me finance two rental properties through DSCR without any income docs. Pro-level service.”
David H.
First-Time Buyer | Scottsdale, AZ
“I used a VA loan to buy our family’s first home and Alexander made the process smooth, fast, and honestly enjoyable. He explained every step and respected my time. Outstanding service.”
Marcus G.
Veteran | VA Loan | Scottsdale AZ
“We refinanced our home and saved over $400 a month thanks to their guidance. They laid out all the options with no pressure—just honest help.”
Rachel & Mike L.
Rate & Term Refinance | Chandler AZ
“As a business owner, I was tired of hearing ‘no’ from banks just because I didn’t have a W-2. Alexander’s team understood my situation immediately and got me approved using my bank statements. No stress, no games—just results.”