Landlord Loans · DSCR Financing
Qualify on CASH FLOW
No W2 - No Tax Returns
Long-term financing for cash-flowing rental properties.
Purchase, refinance, and cash-out.
Loan Amount
$50k-$3.5M
You Can Finance
20+ Properties
Loan Term
30-Year Fixed
Loan To Value (LTV)
Up To 85%
Minimum Credit Score
620
Built For Texas Landlords
Your Lender Should Work as Hard as You Do.
Traditional mortgage lenders ask for your W-2 and tax returns; they review your personal income and debt. A ZeusLending DSCR loan asks one question instead: does the property's rent cover its mortgage? If it does, and you have a 620 credit score or better, you're in business.
Zeus Lending offers DSCR financing designed specifically for Texas investors building rental portfolios. No tax returns, no W-2s, no employment verification. Just the numbers on the property and minimum creditworthiness.
At Zeus, we’ve funded over 17,000 real estate transactions since 2004. We’ve seen your deal type before... probably hundreds of times. That experience means we move fast, ask the right questions, and structure your loan to fit the actual project.
Whether you're closing your first rental or refinancing a portfolio you've spent years building, you'll have a dedicated loan specialist in your corner. A real person who knows your deal.
Traditional Mortgage
- Full income and employment verification
- Tax returns, W-2s, and pay stubs required
- Caps on the number of financed properties
- Personal debt-to-income ratio limits
Zeus DSCR Landlord loan
- Qualify on the property's rental income
- No tax returns or employment verification
- Finance up to 20 properties
- Close in an LLC for asset protection
The Only Math That Matters
WHAT IS DSCR?
Debt Service Coverage Ratio — a simple comparison of what a property earns against what it costs to carry.
DSCR RATIO = GROSS MONTHLY RENT ÷ MONTHLY PITIA
Example: A property renting for $2,500/month with a total monthly payment (principal, interest, taxes, insurance, HOA) of $2,000 has a DSCR of 1.25 — meaning it generates 25% more than it costs to carry. Depending on the program, Zeus can qualify properties with a DSCR as low as 0.80, and select programs go even lower for strong borrowers with compensating factors like larger reserves or lower leverage.
DSCR Loan at a Glance
Loan Details
- Up To $3.5 Million
- Portfolio and Blanket Loans Up to $5 Million
- Up to 85% LTV
- 75% Cash-Out & Rate-Term Refinance Available
- Credit Scores Starting at 620
- Program dependent
- No Minimum DSCR Options
- No STR Experience Required, AirBnB and Vacation Rentals Eligible, Vacancy Allowed On Purchase
- Purchase, Rate & Term, Cash-Out
- All transaction types eligible
- Up to 10 Units
- Residential Rental Properties
- LLC Ownership Eligible
- Asset protection built in
- 30 Year Fixed Rate Loans
- 10 Year Interest-Only Option Available
Qualifications
Is a DSCR Loan Right for Your Deal?
A Zeus Landlord loan makes sense if:
- You're self-employed
- Your tax returns don't reflect your real cash position
- You're scaling a portfolio
- Past the property limits conventional lenders impose
- You found a rental that cash flows
- And want to move without a mountain of income paperwork
- You want LLC ownership
- For asset protection and portfolio separation
- You're refinancing to pull equity
- To fund your next acquisition
This isn't the right fit if:
- This is your primary residence
- For non-owner-occupied investment properties only
- The property isn't rent-ready
- Or currently income-producing
- You need funds for renovation
- Consider a Fix & Flip loan instead
Not sure if your deal qualifies? Talk to a loan specialist before you apply. Talk to a loan specialist. We'll walk you through DSCR, Fix & Flip, and New Construction options to find the right structure for your deal.
SMART. Simple. Fast
Our Process of Work
Apply In Under 3 Minutes
The Super-Simple Application™ collects what we need to get started. No obligation.
Talk to your loan specialist
Your dedicated loan specialist will reach out to provide a financing strategy tailored to your deal.
Receive your term sheet fast
You'll receive loan terms within 24–hours. You know exactly what you’re working with before you commit.
We underwrite the deal
The Zeus processing and underwriting team puts your deal together so it's ready to fund
Close in as little as 10 days
Once approved, we coordinate directly with title to get you to the table.
Wash, Rinse, Repeat
Zeus Landlord Loans fast-track your portfolio growth. We can finance up to 20 properties... sometimes more!
DSCR CALCULATOR
Will my deal cash flow?
DSCR is your annual rent divided by your annual PITIA: principal, interest, taxes, insurance and association dues.
SUPER SIMPLE APPLICATION
It Takes Less Than 3 Minutes - No Credit Pull
EXPLORE MORE
ZEUS HAS YOU COVERED AT EVERY STAGE
Fix & Flip Loans
Short-term purchase and rehab loans.
Buy it. Fix it. Sell it - Smart, Simple and Fast. Get the money you need to buy and renovate your next project.
GROUND UP FINANCING
Ready to build from the ground up?
Zeus funds new construction on 1–4 unit residential projects with flexible draw schedules for construction timelines.