Your tax returns don't qualify you. Your property does.
Viraba Capital arranges DSCR financing for real estate investors, and only for real estate investors. Qualification runs on the rent a property collects — not your W-2, not your personal debt-to-income, not two years of returns.
See how it worksDoes the rent cover the payment?
That single question is the entire qualification method. No income documentation, no debt-to-income calculation, no explaining your Schedule E to an underwriter who has never owned a rental.
- Purchase, rate-and-term refinance, and cash-out refinance
- Single-family, condos, townhomes, PUDs, and 2–4 unit properties
- Vesting in an LLC is standard, not an exception
- No personal income documentation
PITIA = principal, interest, taxes, insurance, and any association dues. Come in at 1.00 or better and you're inside the box on most programs. Below 1.00 there are still lenders — the terms just change.
Outer bounds of what we arrange, not an offer. Maximum leverage, loan size, and credit interact — the file that reaches one limit rarely reaches them all. Set by third-party lenders and subject to change.
Three transactions, one qualification method
Whether you're buying, lowering a rate, or pulling equity out, the underwriting question stays the same — and it's about the property.
Buy the next one
Acquisition financing for rentals you're adding to the portfolio. Because there's no DTI test, an existing stack of mortgages doesn't cap you the way agency financing does.
See purchase terms →
Rate & Term RefiFix the debt you have
Roll out of a hard-money bridge, a maturing balloon, or a rate you took to win the deal. Same property, better structure, no cash out.
See refinance terms →
Cash-Out RefiPut trapped equity to work
The appreciation sitting in a property you already own is down-payment capital for the next one. Cash-out is the engine most of our investor clients run on.
See cash-out terms →
Residential, one through eight units
From a first single-family rental to a fourplex, and every condo and townhome in between. If it is residential and you are renting it out, it is very likely something we can finance.
Single-family
Detached homes, townhomes, and warrantable condos held as rentals. The most liquid collateral on the list, and usually the cleanest file.
2–4 units
Duplexes through fourplexes. Still residential for appraisal purposes, but the rent roll does more work for you — multiple units means one vacancy doesn't zero out your coverage.
Condos, townhomes & PUDs
Warrantable and non-warrantable condos, condotels, townhomes, and planned unit developments. Association dues factor into the coverage math, so we look at those early rather than late.
Investment property only. Every property above is financed as a business-purpose, non-owner-occupied investment. We do not arrange financing for primary residences, second homes, or vacation homes you intend to occupy. If you plan to live in it, we are not the right firm and we'll say so on the first call.
Short-term rentals: Some programs will underwrite to market rent, others to actual STR revenue from a rental-history report. Which one you get changes your DSCR materially — that's a conversation worth having before you're under contract.
41 states, plus Washington D.C.
Most of our clients invest outside the state they live in. Entity vesting and remote closings are routine here rather than a special accommodation, and we'll tell you straight away whether your market is one we can work in.
Who qualifies
- U.S. citizens
- Permanent residents
- Non-permanent residents
- ITIN borrowers
- Foreign nationals
- First-time investors
Hold title in an LLC, a corporation, a revocable trust, or your own name. See the details.
Watching where rates are heading?
We track SOFR and the 10- and 30-year Treasury yields alongside the market data investors actually use.
One conversation, and we take it from there
Go straight to a single lender and you get exactly one set of guidelines. If your scenario sits outside them — a lower coverage ratio, a recently renovated property, a brand-new LLC — that's the end of the conversation, and you start over somewhere else.
We work the opposite direction. We take your scenario, find the route that actually fits it, and go to work. You put the file together once and we carry it from there.
- We know where deals fit — seasoning, vesting, and property condition all change the answer, and we know where each lands
- More than one route — we keep looking until we find the one that works
- Structure that serves your plan — leverage, prepayment, and amortization all trade against each other, and we'll show you the trade
What we'll ask for up front
Enough to match it to the right lenders — and nothing that requires your accountant.
| Item | Why |
|---|---|
| Property address | Market, taxes, and which lenders can consider it |
| Lease or market rent | The numerator in your DSCR |
| Estimated value | Sets your LTV band |
| Loan amount sought | Drives the payment |
| Credit score range | Lender eligibility — an estimate is fine to start |
| Entity or personal | Vesting affects program choice |
No tax returns, no W-2s, no pay stubs, no personal DTI calculation.
Have a property in mind?
Send us the address, the rent, and the loan amount you're after, and we'll tell you which lenders are worth approaching.