Finance properties using rental income — not personal income.
Whether you're purchasing your next rental, refinancing an existing investment, or growing a large portfolio, Star Financial offers flexible DSCR financing built for real estate investors. No tax returns. No W-2s. No employment verification.
We qualify the property, not your paycheck.
DSCR stands for Debt Service Coverage Ratio. Instead of using your personal income, we analyze the property's rental income to determine eligibility. This allows investors to scale faster and qualify for financing without traditional income documentation.
Built to maximize leverage and cash flow.
- Minimum DSCR: 0.80
- Loan Amounts Up To $3,000,000
- Interest-Only Options Available
- LLC & Corporation Ownership Allowed
- No Tax Returns Required
- No Employment Verification
- Investor Purchase & Refinance Programs
- Cash-Out Refinance Available
- Short-Term Rental Eligible
- Single Property or Portfolio Financing
- Foreign National Options Available
- Real Estate Investors
- Rental Property Owners
- Airbnb Investors
- Short-Term Rental Operators
- Self-Employed Borrowers
- LLC-Owned Properties
- Portfolio Investors
- Single Family Residences
- Condominiums
- Townhomes
- 2-4 Unit Properties
- Mixed Use Properties
- Multifamily Properties
- Short-Term Rentals
A direct lender that thinks like an investor.
Fast Decisions
Our in-house team understands investor financing and can quickly structure your loan.
Flexible Guidelines
We focus on property performance, not personal income limitations.
Direct Lender
In-house underwriting, in-house funding, and direct access to decision makers.
Multiple Investor Solutions
We match your scenario with the right DSCR solution to maximize leverage and cash flow.