Frequently asked questions

DSCR stands for Debt Service Coverage Ratio. Instead of verifying your personal income, a DSCR loan qualifies the property itself by comparing its rental income to its monthly debt obligations (principal, interest, taxes, insurance, and any association dues). If the property cash flows, you can qualify.

No. DSCR and most of our investment programs do not require tax returns, W-2s, or pay stubs. We focus on the property and the deal, which makes qualifying simpler for self-employed investors and those scaling a portfolio.

No. Our loans are business-purpose loans for non-owner-occupied investment properties only. They are not intended for, and may not be used to finance, a primary residence.

LP3 Funding lends nationwide across all 50 states. Specific program availability can vary by state — submit the form and we'll confirm options for your property's location.

Timelines depend on the program and the completeness of your file, but bridge and fix-and-flip loans can close in as little as 7–10 business days. DSCR loans typically close within a few weeks.

Fill out the short form on our contact page with a few details about you and your property. A member of our team will reach out to discuss your scenario and next steps.