Real estate investors · DSCR loans
DSCR loans for investors. Qualify on rental income.
Buying or refinancing a rental? A DSCR loan qualifies mainly on the property’s rental income instead of your personal income. Get a free 15-minute call with Victor Salazar to compare DSCR options across 150+ lender programs.Buying or refinancing a rental? Qualify on the property’s rent. Free 15-minute call with Victor.
Text VictorTakes 15 minutes. No credit check for the call. No obligation. Pick any time that works for you.
Victor Salazar · Founder, Kings of Lending
Prefer a callback?
Not ready to book? Tell us about your property.
Share a few details and Victor will reach out personally to talk through DSCR options.
“Victor was finally the one who helped me obtain a loan for my investment property.”Ilona S. · Google review
Why investors choose DSCR
Built for real estate investors.
No tax returns to qualify
DSCR programs look mainly at the property’s rent compared with its monthly payment, not your personal income.
Book a call →02Buy in an LLC
Many DSCR programs allow you to borrow in the name of an LLC or other business entity.
Book a call →03Refinance or cash out a rental
Change your loan terms or access equity in a rental to fund your next purchase.
Book a call →04Grow your portfolio
Your first rental or your tenth. Long-term rentals and, with some lenders, short-term rentals.
Book a call →Your advisor
Meet Victor Salazar.
Victor Salazar (NMLS #2052157) leads the Kings of Lending team, powered by E Mortgage Capital, Inc. (NMLS #1416824), a licensed mortgage brokerage. Through E Mortgage Capital, the team has access to more than 150 lender programs. If one lender’s requirements don’t fit your situation, we can explore other available options.
Before finance, Victor was a professional athlete who performed with Cirque du Soleil. He is also the author of The Wealth Builder’s Mortgage Guide.
How it works
Simple, from the first call.
Start with a free conversation. If you decide to move forward, we’ll guide you through the application and document review.
The call
Your property, its rent, your timeline and goals.
Your documents
Upload your initial documents securely. Your loan officer will explain any additional items needed.
Your loan review
Your loan officer reviews your information against available lender programs.
Your options
Compare available options, estimated payments, and costs after your information is reviewed.
Client reviews
4.9 across 60+ Google reviews.
“I worked with Kings of Lending to finance an investment property using a DSCR loan. Victor was knowledgeable, easy to communicate with, and helpful at every step. A great experience overall!”Angeles P., DSCR loan, Arizona · Client testimonial
“I'm self-employed and wanted to explore financing for an investment property. Victor listened to my goals and explained the available loan options in a way that made sense. I appreciated his personal attention and helpful guidance. The whole transaction went smoothly and stress-free.”Christopher C., self-employed investor, Florida · Client testimonial
★★★★★“I had a complicated deal and was out of the country for some of the process and everything was handled beautifully. Victor understands the business better than anyone and explains what needs to be done very clearly.”William P. · Google review
Clients on Google often mention: early closing · smooth loan process · responsive team · loan options
Read all reviews on GoogleIndividual results vary. Reviews reflect each client's own experience.
Common questions
Before you book.
Does the call affect my credit score?
No. The 15-minute consultation does not include a credit check. If you later decide to apply, you’ll be told before any credit report is requested.
Is there a cost for the consultation?
No. The consultation is free, with no obligation to apply.
What is a DSCR loan?
A DSCR loan is a mortgage for investment property that qualifies mainly on the property’s rental income. Lenders compare the rent to the monthly payment, a ratio called the debt service coverage ratio. Guidelines vary by lender.
Do I need to meet in person?
No. Most of our clients work with us remotely. You can speak with us by phone, upload documents through our secure online portal, and receive personalized video explanations of your loan options and estimated costs to review at your own pace.
Victor and our team keep you informed and answer your questions throughout the process.
Do I need tax returns for a DSCR loan?
DSCR loans generally don’t use personal tax returns to qualify. Lenders focus on the property’s rental income, along with credit, down payment and reserves. Approval is never guaranteed, and every file is subject to underwriting.
Can I use a DSCR loan for my primary residence?
No. DSCR loans are for investment properties. If you’re buying a home to live in, Victor can walk you through other programs on the same call.
Which states are you licensed in?
The Kings of Lending team is licensed in Arizona, California, Colorado, Florida, Illinois, Indiana, Iowa, Nevada, New Jersey, Texas and Virginia, powered by E Mortgage Capital, Inc. (NMLS #1416824). You can verify licensing on NMLS Consumer Access.
Begin
Your next step starts with a free call.
Free 15-minute consultation. No credit check for the call. No obligation.