No tax returns. No income verification. Qualify based on property cash flow alone. Anchor Commercial Capital funds DSCR loans from $250K to $50M+ with ratios as low as 1.0 and 30-year terms available. If the property cash-flows, it qualifies.
Investors and borrowers who need financing based on what the property earns — not what they report on a tax return.
Own multiple rental properties and need financing that doesn’t require documenting personal income across every entity and schedule.
Investing in US commercial real estate without US tax history, SSN, or domestic credit. ITIN and passport-based programs available.
Complex tax returns that don’t reflect your actual income. DSCR lending bypasses the personal income documentation entirely.
Growing your portfolio without hitting DTI limits. Each property qualifies on its own cash flow, so there’s no ceiling on how many you can finance.
Three steps. Property cash flow drives the entire decision.
Send us the property information, current rent roll, and lease agreements. We evaluate the asset’s income — not yours.
We run the numbers, determine the debt service coverage ratio, and build a term sheet tailored to the property’s cash flow profile.
Once terms are agreed, we move to closing. Most DSCR loans fund in 14–21 days with no personal income documentation required.
A Brazilian investor with 12 US rental properties wanted to refinance a $2.1M mixed-use building. Every bank required two years of US tax returns — he had none. He filed with an ITIN and had never produced a US 1040.
One DSCR lender offered terms but required a minimum 1.25 DSCR. The property’s actual ratio was 1.08 — not enough to qualify under their guidelines. The deal was stuck.
Anchor funded at a 1.0 DSCR minimum, no tax returns, ITIN-based identification. We structured a $1.47M loan at 70% LTV and closed in 18 days. The investor consolidated his portfolio financing and freed up capital to acquire two additional properties.
“Every bank wanted tax returns I didn’t have. Another DSCR lender said my ratio was too low. Anchor accepted a 1.0 DSCR with my ITIN and closed in 18 days.”
— Brazilian Investor, 12-Property US Portfolio
Cash flow-based financing with flexible terms for commercial rental properties.
A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the property’s rental income relative to its debt payments — not the borrower’s personal income, tax returns, or W-2s. If the property cash-flows, it can qualify.
We fund DSCR loans with ratios as low as 1.0, meaning the property’s net operating income just needs to cover the debt service. Most conventional lenders require 1.25 or higher. We structure around the actual cash flow.
No. DSCR loans are underwritten on the property’s income, not yours. No tax returns, no W-2s, no personal income verification. We review the rent roll, lease agreements, and property financials.
Yes. We offer DSCR programs for foreign nationals using ITIN or passport-based identification. No US tax history or SSN required. We evaluate the property’s cash flow and the borrower’s real estate experience.
Multifamily, mixed-use, retail, industrial, office, self storage, and other commercial property types with demonstrable rental income. The key requirement is that the property generates enough income to service the debt.
Most DSCR loans close in 14–21 days. Complex deals or larger portfolios may take slightly longer. We issue term sheets within 24–48 hours of receiving the property details and rent roll.
Share your property details and we’ll send a DSCR term sheet — typically within 24–48 hours. No obligation, no application fee.
All fields are confidential. Direct response within one business day.
Anchor Commercial Capital offers 14 specialized lending programs for commercial real estate investors.
Submit your deal for review and receive a DSCR term sheet within 24–48 hours.
No tax returns. No income docs. No obligation.
