DSCR Rental Loans
Qualify on the property's cash flow — not your paystub.
No tax returns. No employment verification. No personal income calculations. If the rent covers the debt, GAC Capital can fund it — for investors building single-family and small multifamily portfolios.
Sample DSCR Calculation
Monthly Gross Rent$2,650
— PITIA (Principal, Interest, Taxes, Ins., HOA)$2,120
DSCR = Rent ÷ PITIA
1.25x
GAC Capital funds most programs at 1.00x–1.25x coverage, with select no-ratio options available for stronger borrower profiles.