Established in 2017, Lendiqo Services is a privately owned company renowned for its quick service and dependability. Over the last 7 years, Lendiqo has expanded their staff and products.

No Personal Tax Returns Required

LLC's Welcome

Cash-Flow Based Approval



A Debt-Service Coverage Ratio (DSCR) loan is tied to the cash flow generated by rental income. For a 30-Year Rental Loan to be approved, the cash flow from the rental income of a specific property must be sufficient to cover the monthly debt payments associated with that property.

To qualify for a DSCR loan from Lendiqo, the rental income must be at least 120% of the monthly expenses, which include principal, interest, taxes, insurance, and any other dues. There is no requirement to submit pay stubs, tax returns, or provide proof of personal income to qualify.


30-Year Term with 30-Year Amortization

  • These loans are great for people who want to buy and hold for the long term. Keep monthly payments down and enjoy rates similar to a conventional loan.

No Debt-To-Income Calculated

  • That means no Paystubs or Tax Returns required to qualify. These are “low-doc” loans that will save you the hassle and time. 

Approval Based On Cash Flow

  • Approval Is Based Upon Property Cash-Flow, not your income. This will enable you to scale your business quickly. 

LLCs Welcome

  • A loan made for business owners.

From One Property to an Entire Portfolio…

  • Large Portfolios Welcome. Or individual properties. If you own SFRs, we have a solution for you.



Important Things You Should Know


The primary advantage of a DSCR loan is that it focuses on the borrower’s credit and the cash flow from the property, rather than the borrower’s personal income. DSCR loans are regarded as “low-doc” loans because they require less documentation compared to conventional loans, which demand more extensive paperwork to move forward with the loan process.

A conventional loan can be challenging for real estate investors to secure because it adheres to the stringent criteria set by Fannie Mae and Freddie Mac. However, for those who do qualify, a conventional loan is attractive due to the potential for lower interest rates.

To qualify, you must have a minimum FICO score of 650. Your credit score will determine the rate you are quoted.

The maximum LTV is 75% and will vary based upon your creditworthiness, the property location, and the property Debt Service Coverage Ratio.

Our primary focus is on financing single-family homes and multifamily properties up to 4 units. We are also capable of funding properties with 5 units or more. If we do finance these larger properties, it would typically be through a 30-year fixed-rate mortgage. Additionally, for short-term financing needs, we offer Multifamily Bridge Loans.

There is a 3 months seasoning period. After 3 months there are no LTC restrictions. Prior to 3 months, we can refinance the lessor or 85% of total cost vs 75% of LTV.

Yes, we do finance commercial properties. Whether you’re looking to invest in office spaces, retail locations, or industrial facilities, we offer a range of financing options to suit your commercial real estate needs.

Getting your DSCR (Debt-Service Coverage Ratio) loan is a straightforward process that requires several documents and steps:

  1. Short 1-Page Application: The application process is quick and uncomplicated, typically involving filling out a simple one-page form.

  2. Proof of Insurance: You will need to provide proof of insurance to ensure that your property is adequately protected against potential risks.

  3. Executed Lease Agreement: This document confirms that your property is generating income through rental agreements.

  4. Purchase Settlement Statement: Providing details about the acquisition of your property, this statement is essential to the loan application.

  5. Driver’s License, Passport, or Green Card: You must present a valid form of identification, such as a driver’s license, passport, or green card, for verification purposes.

  6. Two Months Bank Statements: These statements offer a glimpse into your financial health, demonstrating your ability to handle the loan.

  7. Entity Documents & W9: If you are applying for the loan as a business entity, you will need to provide essential entity documents and a completed W9 form.

Having these documents ready and following the application process will help you secure your DSCR loan with ease.

DSCR Loan Prepayment Penalties (PPP) offer flexible prepayment structures that can be customized to suit borrowers’ needs:

  1. Variety of Options: Borrowers can choose from a range of prepayment penalty options, including zero prepayment penalties and structured plans.

  2. Tailored to Your Goals: The choice of prepayment penalty plan can be influenced by your long-term vision and financial objectives, ensuring it aligns with your specific goals.

  3. Popular Choice: Many clients find the 5-4-3-2-1 option to be a preferred choice, which offers a specific prepayment structure.

    When it comes to DSCR loans, these prepayment penalty options provide clarity and simplicity. If you need assistance or have questions, don’t hesitate to reach out to our team for guidance.