DSCR is the most popular investor loan program, but it's not the only tool in the box. Common DSCR alternatives include: bank statement loans (qualify on 12-24 months of business bank deposits), P&L loans (qualify on a CPA-prepared profit and loss), asset depletion loans (qualify by dividing liquid assets by 60-120 months), portfolio blanket loans (finance 5-1000 properties on a single note), commercial DSCR (5+ unit multifamily, mixed-use, small commercial), and hard money / bridge loans for short-term needs.
Choosing the right alternative depends on your goal. Self-employed borrowers with strong bank deposits often price better on a bank statement loan than DSCR. Investors holding large portfolios frequently consolidate into a single blanket loan for reporting simplicity. Fix-and-flip investors need hard money, not DSCR. And borrowers with millions in liquid brokerage assets can price aggressively on asset depletion.
DSCRloans.net brokers every one of these programs and structures the right fit per scenario. Explore each alternative in depth — bank statement loans, bridge loans, hard money, wholesale DSCR — or start with a rate quote and we'll recommend the best-fit program.