Fund Your Investment. Fast.
DSCR loans built for real estate investors. No income verification. Close in 10 days or less. Rates starting at 7.5%.
No Income Docs Required
Up to 80% LTV
10-Day Close
Get Started Today
Fast, Flexible Real Estate Financing
Starts Here
Trusted by Investors and Brokers Nationwide
With 25+ years of industry experience and operations across 40+ states, Alpha Tech Lending delivers private money lending solutions that move as fast as you do. Whether you're investing in your next project or helping clients fund theirs—we’re ready to partner with you.
Why Investors Choose DSCR Loans
Fast funding, transparent pricing, and terms built for real estate investors who need capital that closes.
Competitive Rates
Qualify using the property’s rental income—no W-2s or tax returns required.
Rates from 7.5% - 11%
Transparent pricing
No prepayment penalties
Lightning Fast
Close in as little as 10 days. Our streamlined process means you can move quickly on investment opportunities without the wait.
10-day closing possible
Same-day pre-approval
Dedicated loan specialist
Built for Investors
No income verification needed. We qualify based on the property rental income potential, not your W-2. Perfect for self-employed investors.
No tax returns required
Unlimited properties
Foreign nationals welcome
Your Property. Your Numbers. Our Smart Offer.
Tell us about the property and what it will rent for. We will run the numbers and show you what is possible.
01
Tell Us About Your Property
Share the property details, purchase price, and expected rental income. Takes less than 5 minutes.
02
Get Your Custom Rate
We will show you the rates, terms, and costs with no surprises, just options. You stay in control..
03
Upload Your Documents
Submit property appraisal, rent analysis, and basic financials. Simple and secure.
04
Review & Sign
Review your final terms, sign the docs electronically, and we will prepare to fund.
05
Get Funded
Funds are wired to your account. You are ready to close and start generating rental income.
14
days average close
5-7 Days
Expedited Closing
98%
Client Satisfaction
DSCR Loan Details
Flexible terms designed for real estate investors
Loan Terms
Loan Amount: $75K - $3M+
Interest Rates: From 7.5%
Loan-to-Value: Up to 80%
Term Length: 30 Years
DSCR Minimum: 0.75+
Property Types
Single Family Homes
Multi-Family Homes
Single Family HomesCondos & Townhomes
Short-Term and Long-Term Rentals
Mixed-Use Properties
Trusted by Investors Nationwide
⭐⭐⭐⭐⭐
"Closed on my investment property in 9 days. The DSCR loan process was incredibly smooth, and the team was responsive every step of the way. Highly recommend!"
Michael Rodriguez
Phoenix, AZ
⭐⭐⭐⭐⭐
"As a self-employed investor, traditional loans were a nightmare. DSCR loans changed everything — no tax returns, no hassle, just fast funding based on the property."
Sarah Chen
Austin, TX
⭐⭐⭐⭐⭐
"I have funded 6 properties with DSCR loans in the past year. The rates are competitive, and the speed is unmatched. This is how investor lending should work."
David Thompson
Atlanta, GA
Frequently Asked Questions
Do I need tax returns or W-2s?
No. Our DSCR programs qualify you based on the rental property’s performance, not your personal income.
How fast can I close?
Pre-approval in minutes. Many approvals within 24 hours. Closings as fast as 7-14 days depending on state & title.
What DSCR ratio do I need?
It depends on property type and program. Ideal: 1.25+. Acceptable: 1.10-1.24. Programs available below 1.00 for seasoned investors, ask us.
Can I do a cash-out refinance?
Yes. Many DSCR products support cash-out refis up to the program limits.
Do you lend on 2-4 unit or condos?
Yes. We underwrite 1-4 unit rentals and have dedicated programs for 5+ units and commercial assets.
Ready to Fund Your Next Investment?
Get your custom rate in minutes. No obligation, no hard credit pull.
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© 2025 Alpha Tech Lending, All rights reserved. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.
© 2025 Alpha Tech Lending, All Rights Reserved.