DSCR Insights

What Documents Do You Need for a DSCR Loan?

What Documents Do You Need for a DSCR Loan?

CapitalVanta
Published on: 24/03/2026

DSCR financing requires far less personal documentation than a conventional mortgage. No tax returns. No W-2s. No pay stubs. The property's rental income drives qualification, not yours. But there is still a specific set of documents lenders expect before they'll move your deal forward.

How Long Does It Take to Close a DSCR Loan?

How Long Does It Take to Close a DSCR Loan?

CapitalVanta
Published on: 22/03/2026

Most DSCR closings take 21 to 35 days from application to funding. Clean files on straightforward properties can close in as few as 14 to 21 days. Complicated deals with appraisal delays, title issues, or incomplete documentation can stretch to 45 days or longer.