No W-2s. No tax returns. Qualify on rental income. Close in your LLC.
Licensed NY mortgage broker serving Rochester investors since day one.
Strong rental demand, affordable acquisition prices, and a growing investor community make Rochester one of the best markets in New York for DSCR loan financing.
Rochester has consistently ranked as one of the most affordable major metros in the Northeast, with strong rental yields driven by the University of Rochester, RIT, and a large healthcare workforce. For investors, this means properties that cash-flow well — exactly what DSCR lenders want to see.
Unlike conventional loans that require W-2s and tax returns, DSCR financing lets you qualify based on what the property earns — not what you earn personally. This makes it the go-to tool for self-employed investors, business owners, and anyone scaling a Rochester rental portfolio.
The lender calculates one ratio. If the property covers its payment, you qualify.
Monthly gross rental income ÷ Monthly PITIA (Principal, Interest, Taxes, Insurance, HOA). A ratio of 1.0 means the property breaks even. We work with lenders down to 0.75x.
No W-2s, no tax returns, no pay stubs. The property's income is the qualification. Ideal for self-employed investors, business owners, and anyone with complex financials.
Take title in your LLC, LP, or corporation. DSCR lenders allow entity closings — a major advantage over conventional financing for investors building long-term portfolios.
| Loan Amounts | $100,000 – $5,000,000+ |
| Min DSCR | 0.75x (no-ratio available) |
| LTV Purchase | Up to 80% LTV |
| LTV Refinance | Up to 75% LTV |
| Cash-Out Refi | Up to 75% LTV |
| Min Credit Score | 620 (680+ for best rates) |
| Property Types | SFR, 2–4 units, condos, STR |
| Entity Closings | LLC, LP, Corp accepted |
| Loan Terms | 30-yr fixed, ARM, I/O options |
| Prepayment | 3/2/1 or 5/4/3/2/1 step-down |
Short-Term Rental (Airbnb/VRBO)? We work with lenders who use AirDNA projected income for STR DSCR qualification. Learn more about STR DSCR loans →
We finance investment properties throughout Monroe County and the greater Rochester metro area.
Also serving Buffalo, Syracuse, Albany, and all of New York State. DSCR loans available in all 50 states.
Common questions from Rochester-area real estate investors. For a complete guide, see our Investor Mortgage FAQ.
Yes. xMortgageBroker is a licensed NY mortgage broker specializing in DSCR loans for Rochester-area investors. We work with wholesale lenders who offer DSCR financing for single-family, 2–4 unit, and small multifamily properties throughout Monroe County and Western New York.
Most DSCR lenders require a minimum ratio of 1.0x to 1.25x. We work with lenders who go as low as 0.75x DSCR — especially helpful in Rochester where rental yields are strong but purchase prices are rising.
No. DSCR loans qualify based on the property's rental income — not your personal income. No W-2s, no tax returns, no pay stubs required. This makes them ideal for self-employed investors, business owners, and anyone with complex income.
Yes. DSCR lenders allow entity closings, so you can take title in your LLC, LP, or corporation. This is one of the most common strategies for Rochester investors building long-term rental portfolios. See our guide on how to close in an LLC.
DSCR loans in Rochester can be used for single-family rentals, 2–4 unit properties, condos, townhomes, and short-term rentals (Airbnb/VRBO). The property must be non-owner-occupied (investment use only).
Most DSCR loans close in 21–30 days. Experienced investors with clean files can sometimes close in 14–21 days. We work with lenders who prioritize speed for repeat investors.
Get pre-qualified in 48 hours. No cost, no commitment, no W-2 required.