No Traditional Income Verification Needed
DSCR loans are designed for real estate investors who prefer not to document traditional employment income. Instead of tax returns or pay stubs, the loan is qualified based on the property’s income-generating potential—allowing you to leverage your portfolio without the usual paperwork hurdles.
Focused on Property Cash Flow, Not Personal Finances
With DSCR loans, the qualifying factor is whether the property’s rental income can cover the mortgage payment (principal, interest, taxes, and insurance). This makes it easier for self-employed investors or those with complex financial profiles to secure funding without disrupting personal or business finances.
Perfect for Growing Rental Portfolios
Whether you’re acquiring your first rental or expanding a large portfolio, DSCR loans offer flexible financing tailored for investment properties. These loans are ideal for short-term and long-term rentals, and can often be used for single-family homes, multi-units, or even mixed-use properties
Experience the Equity Partners USA Advantage
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Access to over a dozen loan programs to fit every borrower profile
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Solutions for self-employed, investors, and non-traditional income earners
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Dedicated support from application to closing—no guesswork, just clarity
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Competitive interest rates with low fees and flexible qualification terms
Simple Approval with Competitive Terms
The application process is typically faster and more straightforward than traditional loans. Since qualification centers on the property’s income, approvals can be streamlined with fewer documents and quicker decisions. Our team ensures the terms align with your investment goals and cash flow expectations.
Why Choose Equity Partners USA
At Equity Partners USA, we’re more than just a mortgage company—we’re your dedicated financial partner. We understand that securing a home loan is one of the most important financial decisions you’ll make, and our mission is to make that experience as simple, transparent, and rewarding as possible. With a diverse range of loan programs, industry expertise, and a client-first approach, we provide personalized lending solutions that align with your goals.
We are known for
Personalized loan solutions tailored to each client’s financial profile
Exceptional service and hands-on guidance from start to finish
Fast, efficient processing with transparent communication
Flexible programs for self-employed, first-time buyers, and investors
"FAQs"
We offer a wide range of loan programs including Conventional, FHA, VA, USDA, Jumbo, DSCR, ITIN, Bank Statement, 1099, Profit & Loss, HELOC/HELOAN, and Fix & Flip loans. Whether you’re a first-time buyer, investor, or self-employed borrower, we have solutions tailored to your needs.
Our mortgage experts take the time to understand your financial goals, credit profile, and income situation. Based on that, we recommend the most suitable loan options and walk you through each step of the process with full transparency.
The required documents may vary by loan type, but generally include proof of income (W-2s, pay stubs, bank statements, or 1099s), tax returns, credit history, and identification. For self-employed borrowers, we may request business financials or a profit and loss statement.
Most of our loans close within 21 to 30 days, depending on the complexity of the file and how quickly we receive your documentation. We prioritize a smooth, timely closing and keep you informed throughout the entire process.
Yes! We specialize in helping self-employed borrowers and those with alternative income sources. We offer programs like Bank Statement Loans, 1099 Loans, and Profit & Loss qualifying options to make homeownership accessible—even without traditional pay stubs.
Built Around Your Goals, Backed by Expertise
At Equity Partners USA, we don’t believe in one-size-fits-all lending. Every loan we structure is thoughtfully crafted to match your goals, lifestyle, and financial strategy. Whether you’re buying your first home, growing your investment portfolio, or refinancing for better terms, our expert team is here to guide you with clarity, precision, and care.
