DSCR Investment Property Loans in DC, Northern Virginia & Maryland
The DMV is one of the strongest rental markets in the country. We finance your investment properties based on cash flow, not your W-2.
Joe Pisa
Founder & Senior Loan Officer
NMLS #139369
"If Rocket, Chase, or your local credit union just crushed your dreams because of your credit score, self-employed income, or because you want to count your Airbnb income — you're in the right place."
Hey, the DC metro area has some of the most stable rental demand in the country — government workers, contractors, military, and a constant flow of people relocating for work. If you're building a rental portfolio here, you need a lender who understands investor loans. DSCR (Debt Service Coverage Ratio) loans are designed specifically for you. We don't look at your personal income, your tax returns, or your DTI. We look at one thing: does the property's rental income cover the mortgage payment? If yes, you're approved.
Why We Close What Banks Deny
- No personal income documentation required
- No tax returns, no W-2s, no pay stubs
- DSCR as low as 0.75 (property can be slightly negative)
- Loan amounts up to $3 million
- Cash-out refinance up to 75% LTV
- No limit on number of properties you own
Recent Closings in DC / Northern Virginia / Maryland
These are real deals we closed. Banks denied them. We didn't.
Townhouse rental — 1.35 DSCR, investor's 8th property
Duplex — DSCR cash-out, pulled $150k for next purchase
Condo rental — 1.2 DSCR, government contractor landlord
DSCR Loans Questions for DC / Northern Virginia / Maryland
Real questions we get daily — with straight answers
Can I get a DSCR loan for investment property in DC?
Yes. We finance investment properties throughout DC, Northern Virginia, and Maryland suburbs. No personal income docs required.
What DSCR do I need to qualify in the DMV?
1.0 DSCR minimum (rent covers payment). We go as low as 0.75 with compensating factors. Most DC area rentals easily hit 1.2-1.4 DSCR.
Do you finance condos in DC and Arlington?
Yes. Condo association needs to meet basic requirements (reserves, owner-occupancy ratio). We close DC and Arlington condos regularly.
Can I do a cash-out refinance on my rental in Montgomery County?
Yes. Up to 75% LTV. If your property is worth $600k and you owe $350k, you could pull out $100k for your next investment.
What about properties in Fairfax, Loudoun, or Prince William County?
We close all over Northern Virginia — Fairfax, Loudoun, Prince William, Alexandria, Falls Church. These are some of our most active markets.
Can I finance multiple properties at once?
Yes. We do portfolio DSCR loans and can finance 5, 10, even 20+ properties. Each property is evaluated on its own cash flow.
NorthStar Funding is a licensed mortgage broker. NMLS #139369. Equal Housing Lender. All loans subject to credit approval. Rates and terms subject to change without notice.