A DSCR loan is an investment property mortgage that qualifies based on rental income of the property rather than personal income. No W-2s or tax returns required.

What DSCR ratio is needed to qualify?

Most lenders require a minimum DSCR of 1.0. Some programs allow 0.75 with higher down payments.

Can I use a DSCR loan for short-term rentals?

Yes. Many DSCR lenders accept short-term rental income (Airbnb, VRBO). Requirements vary by lender.

What is the minimum down payment?

Most programs require 20-25% down. Some allow 15% with stronger DSCR ratios.

What areas qualify for USDA loans?

USDA loans are available in rural and some suburban areas designated by the USDA. Many areas outside major cities may qualify.

Do USDA loans require a down payment?

No. USDA loans offer 100% financing with no down payment for eligible borrowers and properties.

What are the income limits?

Household income generally cannot exceed 115% of the area median income. Limits vary by county and household size.

Your home-buying journey starts with the right loan

Select from our wide range of loan options designed to fit your life.

Arizona Conventional Home Loans

Classic financing for your home

For those with strong credit, conventional loans offer a straightforward path to homeownership, with competitive rates and flexible terms. Whether you're looking at a cozy starter home or a spacious dream house, a conventional loan can be tailored to your financial situation, offering both fixed and adjustable rates.

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USDA Loans

Rural living made affordable

Dreaming of a home in the countryside? USDA loans are designed for rural homebuyers, offering 100% financing and reduced mortgage insurance. If you love the idea of wide-open spaces and qualify for this program, let's explore how an Arizona USDA loan can make your rural dream home a reality without breaking the bank.

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Home Improvement & Renovation Loans

Transform your space

Want to buy a home that needs a little TLC? A renovation loan combines your home purchase and repair costs into a single mortgage. It’s an ideal solution for buying a fixer-upper and making it your dream home, with one manageable loan.

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DSCR Loans

Invest in your future

Designed for real estate investors, DSCR loans use rental income to qualify for a mortgage, bypassing traditional income verification. This loan is perfect for expanding your investment portfolio or purchasing your first rental property. Let’s build your real estate empire together.

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Two story Arizona home purchased through a Arizona DSCR loan