The Doctor
Will See Your
Deal Now.
Qualify using your rental property’s income. No employment or personal income verification required. Explore DSCR financing with an experienced, licensed mortgage loan originator at Queen City Funding Inc.
Powered by Queen City Funding Inc. | NMLS #52412
GUIDANCE.
A smarter way to look
at your next deal.
Start with a free consultation or go straight to your mortgage application. Our licensed mortgage loan originators will help you understand your property’s financing options and next steps.
Show us the property.
Purchase, refinance, or cash out? Tell us the location, your goal, and the deal you're evaluating.
Examine the numbers.
Explore estimated debt service, rental income, and questions that might affect financing.
Talk to the experts.
A Queen City Funding Inc. professional can discuss lender specific qualifications and the next step.
Rental income.
Real possibilities.
DSCR financing uses eligible property rents to assess income qualification. Personal income and employment verification are not required under these programs.
Qualify on the rent.
Eligible rental income is compared with the property’s qualifying payment. No traditional personal income or employment verification required.
Foreign nationals welcome.
Programs are available without U.S. income or an established U.S. credit history. Alternative documentation and lender requirements apply.
AI powered. Human backed.
Our posts use AI to make financing topics accessible. Your consultation is with real, licensed mortgage loan originators.
Program availability and approval remain subject to lender requirements, including property eligibility, appraisal, down payment or equity, reserves, and applicable credit or alternative documentation.
Hundreds of millions originated. Real expertise for your next move.
The seasoned mortgage professionals at Queen City Funding Inc. have collectively originated hundreds of millions of dollars in mortgages. Bring your questions. Get experienced guidance from a licensed mortgage loan originator.
Run the
numbers.
Enter your property details to compare gross rent with estimated monthly debt service, using a fixed 7.5% illustrative rate assumption.
Real lender calculations and qualifying rental income can differ. A higher number is not a promise of approval.
Rental financing calculator
For calculations only. Not an actual rate, quote, or offer. Your rate will be determined by the lender.
Educational illustration only. Does not account for program specific rent calculations, appraisal, loan to value, credit, reserves, closing costs, interest only structures, or lender underwriting. The fixed 7.5% assumption is for illustration only. It is not an actual rate, quote, or offer. Actual pricing and eligibility depend on lender review.
Discuss my numbers in a free consultationDifferent deals.
One smarter conversation.
Every investor's next move looks a little different. Bring us the scenario that matters to you.
Buy your next rental
Explore a DSCR purchase scenario before you submit the offer.
Tap into equity
Review potential refinance or cash out financing strategies.
Grow the portfolio
Discuss LLC, short term rental, and multiple property scenarios where eligible.
The Doctor
will see your
deal now.
Request a free, no obligation consultation with a real, licensed mortgage loan originator at Queen City Funding Inc. Tell us about your property and we’ll contact you to arrange a conversation.
Powered by Queen City Funding Inc.NMLS #52412Tell us about your deal.
Only a few details to start. No documents, credit report, or Social Security number needed here.
Good questions.
Clearer answers.
Loan programs aren't the same. Here's what to know before an actual lender review.
Do I need employment or personal income to qualify?+
DSCR programs use eligible rents from the property for income qualification, without traditional personal income or employment verification. Other underwriting requirements still apply.
Can foreign nationals qualify?+
Yes. Foreign national DSCR programs are available without U.S. income or established U.S. credit history. The lender may require alternative credit documentation, identification, reserves, and other supporting information.
What exactly is a DSCR loan?+
DSCR stands for Debt Service Coverage Ratio. Many investor focused loan programs evaluate eligible rental income relative to the property's debt obligations, alongside other underwriting criteria. The exact calculations and guidelines depend on the lender.
Can I finance under an LLC?+
Yes, LLCs, corporations and partnerships are typically eligible for DSCR mortgages, with trusts accepted more selectively.
What about Airbnb or short term rentals?+
Yes! We offer DSCR financing for Airbnb and other short term rental properties, including options that use short term rental income or AirDNA rental projections to calculate qualifying income and DSCR ratios. The Queen City Funding Inc. team can help determine which option fits your property.
Are these financing options available everywhere?+
We offer DSCR financing options in most states. Availability varies by property location and lender program guidelines. Contact us to explore options for your investment property.