Qualify on the property, or on your deposits
A DSCR loan ignores your personal income entirely and qualifies on whether the property’s rent covers the payment. For a self-employed investor that sidesteps the whole tax-return problem — and it closes in an LLC with no property-count cap.
A bank-statement loan is the alternative when you want a more traditional structure: instead of tax returns, the lender averages twelve to twenty-four months of bank deposits to calculate your income. Both carry a rate premium over conventional, but they approve deals a DTI-based loan would reject.
Frequently asked questions
Can I get an investment property loan without tax returns?
Yes. DSCR loans qualify on the property’s rental income, and bank-statement loans use 12–24 months of deposits — neither requires tax returns, which is why both are popular with self-employed investors.
Which is better for a self-employed investor, DSCR or bank-statement?
DSCR is usually simpler and scales better (no income docs, no property cap), while a bank-statement loan can offer better pricing if your deposits are strong and consistent. The matcher weighs your full situation to suggest which fits.