A Property's Anticipated
Income Is All You Need
Stop letting W-2s hold your portfolio back. With NAF’s DSCR loans, you qualify based on the property’s cash flow, not your tax returns.
Cash Flow Advantage is our DSCR loan for investors who qualify based on rental income—not W-2s. If the property makes money, you qualify. It's that simple. No tax returns. No pay stubs. No employment verification. Just strong rental income and smart investing.
Conventional lenders focus on your income instead of the property’s. Our DSCR qualify you based on cash flow, not your 9-to-5 or tax returns. So you can focus your energy on finding properties that print money.
First-Time Investors
Start your portfolio without traditional income hurdles.
Seasoned Portfolio Builders
Scale faster without DTI limits or excess paperwork.
Self-Employed & Business Owners
Your property’s income matters more than your tax returns.
Qualify Based on Anticipated Rental Income Alone
No W-2s, no tax returns, no employment verification. Just strong rent rolls and smart investments.
Up to $3.5 Million Per Property
Go bigger. Acquire premier properties that traditional lenders won't touch.
Down Payments as Low as 20%
Preserve your capital. Deploy it across multiple deals instead of tying it up in one.
640 Credit Score Minimum
Your credit history matters, but it won't make or break the deal if the property performs.
Multiple Financing Options
Fixed-rate for stability. Adjustable-rate for flexibility. Interest-only for maximum cash flow. You choose your strategy.
Cash-Out Refinance Available
Pull equity from performing properties to fund your next acquisition. Keep the momentum going.
Here's how DSCR works:
The Formula:
Monthly Rental Income ÷ Monthly Housing Expenses = DSCR
What You Need:
A DSCR of 0.75 or higher means your property generates enough income to cover 75% or more of its costs. That's it.
Translation:
If the property generates revenue, you qualify.
Don't let outdated income rules slow your growth. While traditional lenders ask for more paperwork, you could be closing your next revenue generator. The market won't wait, neither should you.
Program highlights:
Smart Moves Start Here.