An Arizona investor acquired a 6-unit rental portfolio with a DSCR loan
A real estate investor used a DSCR loan to acquire a six-unit rental portfolio without relying on personal income documentation.
Amount Funded
$1,120,000
Financing
DSCR Loan
Industry
Real Estate
Location
Phoenix, AZ
The Challenge
A self-employed investor wanted to acquire a six-unit rental portfolio but could not satisfy the W-2 and personal income documentation that conventional investment mortgages required. The seller had a tight closing window and a competing offer on the table.
The Solution
Nifty routed the request to a DSCR (Debt-Service Coverage Ratio) path, where the property's rental income — not the investor's personal income — qualified the loan. The capital profile captured rent rolls, operating expenses, and the purchase contract in a single submission.
The Outcome
The DSCR loan closed in twenty-four days, beating the seller's deadline. The portfolio cash-flowed from month one, and the investor later returned to Nifty to refinance two of the units and pull equity for the next acquisition.
"DSCR was the path I didn't know I qualified for. Nifty made the property qualify itself."
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