Fix and flip loans
Short-term financing to buy, renovate and resell an investment property.
Investors
DSCR loans in Las Vegas
Qualify on what the rental property earns, not your paycheck. No personal income or tax returns needed.
Who it’s for
Who DSCR loans fit
DSCR loans are built for investors who want to profit from rental properties, whether you’re just starting out or growing a portfolio.
Self-employed investors
No paycheck proof needed: the loan focuses on the property.
Investors with partners
A common fit when you invest in real estate with others.
Short-term rental investors
VRBO, Airbnb or Vacasa properties with operating history.
Growing portfolios
Skip the paperwork of traditional loans as you add properties.
How it works
Debt service coverage ratio, explained
A DSCR loan compares the property’s rental income with the loan payment. The gap between them is the landlord’s gross profit, and it’s what the loan is built around.
Property income first
Instead of looking at your income, it focuses on how much money the property can make.
No personal tax returns
No personal income documents or tax returns, and no IRS Form 4506 to sign.
Buy ready-to-rent
Acquire properties that are ready to go.
Cash-out refinance
Refinance a rental you already own and take cash out.
Extended terms
Structured around the property’s continuous payment stream.
Flexible qualification
Not bound by the strict agency rules (Fannie Mae, Freddie Mac) that traditional loans follow.
Documents
What you’ll need for a DSCR loan
You’ll notice what’s missing: personal tax returns and employment verification. DSCR loans are about the property and the project.
From you
- Application: basic details about you and the property. We walk you through it.
- Credit authorization: the lender typically runs a credit report.
- Leases, if the property is leased, to show the rental income.
- Short-term rental history: 12 months of operating history, usually from the property manager or booking platform.
- Insurance: property insurance with the lender’s information on it.
- Entity documents if you borrow through an LLC: certificates of good standing and formation, articles of organization and operating agreement.
- Renovation documents for rehab properties: receipts, invoices and work orders.
Collected by the lender
- Appraisal report
- Appraisal review
- Title insurance
How Harmony helps
Four clear steps with one team
We look at the property and your plan first, then line up the documents so nothing slows you down.
Initial goal analysis consultation
We go over your goals to understand your situation and what you need.
Solution preparation
We take what we learned and build out options for you: rates, closing costs and program structures.
Suggestion presentation
We walk you through what we found. If you like what we propose, we put your loan into process.
Execute
Our team guides you every step of the way to gather the documents and get you to closing.
Take the first step
Honesty, transparency, integrity, education and customer service in every step.
From our team
DSCR in under a minute
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What does DSCR mean?
Debt service coverage ratio. It compares the property’s rental income with the loan payment.
Do I need to show my personal income or tax returns?
No. DSCR loans don’t need personal income documents or tax returns, and you won’t sign a 4506. The lender typically still runs a credit report.
Can I use a DSCR loan for a short-term rental?
Yes. If the property is a short-term rental with 12 months of operating history, that history (usually from the property manager or booking platform) is provided.
Can I borrow through my LLC?
Yes. You’ll provide the entity documents, such as certificates of good standing and formation, articles of organization and the operating agreement.
Do DSCR loans need an appraisal?
Yes. The lender collects an appraisal report and an appraisal review, plus title insurance, for rental loans.
Can I take cash out of a rental I own?
Yes. Refinancing for cash out on existing real estate is one of the two main uses of DSCR loans.
Let’s run the numbers on your rental
Answer four quick questions. Investment property / DSCR is already filled in.
See my options for this loan
(702) 934-9625
4300 West Tropicana Ave, Building A, Suites 110-132, Las Vegas, NV 89103
Page last reviewed 2026-11-11.