DSCR Mortgage Loans

Unlock the full potential of your rental property portfolio with DSCR (Debt Service Coverage Ratio) Loans—a flexible, asset-based financing solution designed specifically for real estate investors. Unlike traditional loans, DSCR loans focus on the property’s income potential rather than your personal income, making them ideal for entrepreneurs, self-employed investors, and those with complex financial profiles.

At Bella Mia Capital, we specialize in helping investors qualify based on cash flow strength, not tax returns. Whether you're expanding your short-term rental empire or refinancing your existing properties, our streamlined DSCR loan programs offer:

• No income verification required
• No employment history needed
• Approval based on rental income performance
• Low DSCR requirement options (as low as 0.00)
• 30-year fixed or interest-only terms

We offer DSCR loans nationwide and locally across Texas, including Houston, League City, Clear Lake, Katy, Galveston, Pearland, Spring, The Woodlands, Humble, Conroe, and more. Wherever you invest in Texas real estate, Bella Mia Capital has you covered.

Get approved quickly and scale your real estate investments with ease. Our experts are here to structure a DSCR loan that maximizes leverage and minimizes hassle—so you can focus on building long-term wealth.

Apply today and experience a lending process built around your investments, not your paperwork.