Scale Your Portfolio.
Skip the W-2.
Qualify on the property's rental income — not yours. 1X12 Lending specializes in DSCR loans for buy-and-hold investors ready to grow without the bank's checklist.
DSCR Loans Built for Rental Investors
Debt Service Coverage Ratio (DSCR) loans let the property qualify itself. If the rent covers the payment, you're in — no tax returns, no pay stubs, no employment history required, no sourcing or seasoning of funds.
No Income Verification
Qualify based on the property's rental income — not your W-2, tax returns, or employment history.
No Limit on Properties
Scale your portfolio without hitting conventional loan caps. Finance your 1st or your 50th rental.
Long-Term 30-Year Terms
Stable, fixed-rate financing designed for buy-and-hold investors building lasting wealth.
Cash-Out Refinance Available
Pull equity from existing rentals to fund your next acquisition — without touching your personal income.
Short-Term Rentals Eligible
Airbnb and VRBO properties qualify. We underwrite on market rent or actual STR income.
No Sourcing or Seasoning of Funds
We don't require proof of where your down payment came from or how long it's been in your account.
How DSCR Lending Works
No income docs. No W-2. Just the deal — and a fast path to closing.
Submit Your Property
Share the address, purchase price, and expected rent. No lengthy paperwork — just the details that matter.
Get a Term Sheet
We underwrite on the property's DSCR ratio. Receive a term sheet within 24 hours — no income docs required.
Close & Collect Rent
Close in as little as 21 days and start building long-term rental income immediately.
All Loan Programs
DSCR is our specialty — but we have a program for every investor strategy.
DSCR Rental Loans
Our flagship program. Qualify on the property's cash flow — not your personal income. Ideal for scaling a buy-and-hold portfolio without W-2 restrictions.
Fix & Flip Loans
Short-term capital to acquire, renovate, and resell. Fast closings, flexible terms, and draw schedules built around your rehab timeline.
Bridge & Gap Financing
Move fast on acquisitions while your long-term financing is arranged. We bridge the gap so you never miss a deal.
Transactional Funding
Same-day or next-day funding for double closings and wholesale deals. Fast, simple, and built for high-volume wholesalers.
Hard Money Loans
Asset-based lending with minimal documentation. Credit score is not the deciding factor — the deal is.
New Construction
Ground-up financing for builders and developers. Structured draws, competitive rates, and a team that understands your build schedule.
Why Rental Investors Choose 1X12
We built 1X12 for buy-and-hold investors who are tired of banks that don't understand rental income. Our DSCR program lets the property speak for itself — if the numbers work, we fund it.
- No income verification — qualify on rental income only
- No limit on the number of financed properties
- Short-term rentals (Airbnb/VRBO) eligible
- Cash-out refinance to fund your next acquisition
- Dedicated loan officer who speaks investor language
- No prepayment penalties on select programs
Ready to Add Your Next Rental?
No W-2 required. No income verification. Just the property — and a term sheet within 24 hours.