Arizona DSCR Loans — Qualify on Rental Income, Not Your Paycheck
- Rates starting at 6% Range*
- Qualification based on property cash flow — not personal income*
- Closings in as little as 5–10 business days*
- 30-Year fixed options — LTV up to 80%
- SFR, STR / Airbnb, Multifamily & Portfolio — all Arizona markets
- Cash-out refinance available — All Credit Scores Welcomed
NMLS# 2421810 · No impact on your credit score for initial quotes
The Arizona DSCR Loan Specialists
We understand Arizona's booming rental market — from Phoenix's explosive population growth to Scottsdale's luxury vacation rentals, Tucson's university-driven demand, and Sedona's thriving short-term rental scene.
No Income Docs Required
Forget tax returns, W-2s, and pay stubs. Your Arizona rental property's income does the qualifying — not yours.* Ideal for remote workers, self-employed investors, and high-net-worth individuals relocating to Arizona.
Lightning Fast Closings
Close your Arizona rental property in as little as 5–10 business days.* Speed matters in competitive markets like Phoenix, Scottsdale, and Tempe where deals move fast.
STR & Airbnb Welcome
We accept short-term rental income from Airbnb and VRBO for DSCR qualification in markets like Sedona, Scottsdale, Flagstaff, and all of Arizona's booming vacation rental destinations.
Understand & Calculate Your Arizona DSCR Ratio
The Debt Service Coverage Ratio is the single most important number in rental property lending.
PITI = Principal + Interest + Property Taxes + Insurance. A higher DSCR means more cushion — and better rates.
Your Arizona DSCR Results
Why Arizona Investors Love DSCR Loans
DSCR loans remove the biggest roadblocks traditional financing puts in front of real estate investors.
Our Arizona DSCR Programs
Tailored DSCR financing for every Arizona investment property strategy.
- Rates from 6%*
- Up to 80% LTV on Purchase
- 30-Year Fixed Rate
- No Income or W-2 Required*
- All Credit Scores Welcome
- Airbnb & VRBO Income Accepted
- Qualify on STR Revenue
- Up to 75% LTV
- Sedona, Scottsdale, Flagstaff & More
- Rates from 6% range*
- Duplex, Triplex, Fourplex
- Combined Rental Income Qualifies
- Up to 75% LTV
- Phoenix, Tucson & Mesa Markets
- Fast 5–10 Business Day Close*
- Bundle 2–10+ Arizona Properties
- Single Loan, One Monthly Payment
- Streamlined Underwriting
- Blanket Mortgage Available
- Loan Amounts from $150K–$10M+
Our 4-Step Arizona DSCR Process
From application to funded in as little as 5–10 business days.* No income verification. No unnecessary delays.
Fill out our quick application. No hard credit pull, no income docs upfront. Get a preliminary answer in minutes.
We analyze the Arizona property's rental income vs. the mortgage payment. A DSCR of 1.0+ typically qualifies — term sheet within 24 hours.
We coordinate with local Arizona title companies and order a fast-track appraisal for a seamless closing.
Funds wired directly to escrow. Most Arizona DSCR investors close in 5–10 business days* — sometimes faster.
Arizona DSCR Rates & Terms
No hidden fees. No bait and switch. Rates and terms subject to underwriting approval.*
| Arizona DSCR Program | Starting Rate | Max LTV | Term | Min Loan |
|---|---|---|---|---|
| DSCR Single-Family | From 6%* | 80% LTV | 30 Years Fixed | $100,000 |
| DSCR Short-Term Rental (STR) | From 6%* | 75% LTV | 30 Years Fixed | $150,000 |
| DSCR 2–4 Units | From 6%* | 75% LTV | 30 Years Fixed | $150,000 |
| DSCR Cash-Out Refinance | From 6%* | 75% LTV | 30 Years Fixed | $100,000 |
| DSCR Portfolio (5+ Properties) | From 6%* | 70% LTV | 5/1 ARM or 30yr | $500,000 |
Arizona Markets We Serve
We fund DSCR loans across all of Arizona — from the Greater Phoenix metro to Southern Arizona and everywhere in between.
What Arizona Investors Say
"Closed my Phoenix rental property in 7 days. As a self-employed contractor, traditional lenders kept declining me. DSCR qualification based on rental income was exactly what I needed to scale."
"I own Airbnb properties in Sedona. American Prime Rate accepted my STR income for DSCR qualification — closed in under 10 days. No other lender in Arizona came close to this process."
"Refinanced my Scottsdale duplex with a DSCR cash-out loan in 9 days. Competitive rate, seamless process, and the team knew the Arizona market inside and out. Highly recommend."
Arizona DSCR Loan FAQs
Everything you need to know about DSCR loans in Arizona.
Talk to an Arizona DSCR Loan Expert
Fill out the short form and our Arizona DSCR team will respond within 2 business hours. No hard credit pull. No obligation. Rates starting at 6.49%.*
NMLS# 2421810 · No impact on credit score · No obligation
What Are DSCR Loans in Arizona?
DSCR loans in Arizona are investment property mortgages that qualify borrowers based on the rental income a property generates — not personal income, tax returns, or W-2s. Arizona's explosive population growth, strong landlord-friendly laws, and robust rental demand make it one of the top states for DSCR lending. A DSCR of 1.0 or above means the property pays for itself — and that's typically all you need to qualify.
How Arizona DSCR Loans Work
Arizona DSCR lenders evaluate deals based on the property's LTV, current lease agreements or market rent comparables, and the borrower's FICO score. No income documentation, no DTI calculation, no employment verification. With Arizona's median rents rising year over year in cities like Phoenix, Scottsdale, and Tucson, more investors are qualifying for DSCR loans than ever before. Funds can be deployed in as little as 5–10 business days.*
DSCR vs Traditional Loans in Arizona
Traditional Arizona mortgages require W-2s, tax returns, and strict DTI limits. DSCR loans bypass all of this, qualifying solely on the Arizona property's rental income potential — the preferred financing tool for Arizona's fastest-growing real estate investors. Whether you're building a portfolio in the East Valley, investing in Sedona vacation rentals, or acquiring multifamily in Tucson, DSCR is the tool that scales with you.