DSCR Accelerator Wholesale
Loan Programs

Close faster with no personal income verification required.
DSCR Designed to Grow Your Investors' Portfolios
Debt Service Coverage Ratio (DSCR) loan programs allow your real estate investor clients to qualify using just the income generated by the property with no personal income documentation, tax returns, or W2s required. Our DSCR loans are fast, flexible, and built for borrowers who let the numbers speak for themselves.

Have a DSCR falling below 1.0? Let us help you structure a winning deal.
Alternative Documentation
Help your homebuyers and investors win big with fast, flexible Alt-Doc loan solutions. Alternative Documentation (Alt-Doc) programs are built for borrowers who don’t fit the traditional mold—no W2s or tax returns required. Instead, income is verified through bank statements, P&L-only, 1099-only, WVOE-only, asset utilization, and more. Whether it's self-employed borrowers or seasoned investors, Alt-Doc loans make it easier to qualify—and faster to fund.

Program Highlights

DSCR 1-4 Units

Loan amounts up to $3M
Up to 85% LTV
FICOs as low as 620
Condotels and non-warrantable condos allowed

DSCR 5-8 Units

Loan amounts up to $2M
Up to 75% LTV
FICOs as low as 700
2 vacant units permitted
ITIN and Foreign National investors welcome! Not sure about DSCR loans? Learn more here.
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© 2025 All Rights Reserved. Equal Housing Opportunity. Champions Funding, LLC, 365 E. Germann Rd., Suite 140 Gilbert, AZ 85297. NMLS ID #2254210. For licensing, visit nmlsconsumeraccess.org. Information is solely intended for mortgage bankers, mortgage brokers, and financial institutions and is not an advertisement to extend credit directly to consumers.
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