loan types
dscr investor loans
Arizona

DSCR Investor Loans in Arizona

Self-employed borrowers in Arizona qualify using 12 to 24 months of bank deposits instead of tax returns. Business owners, contractors, and freelancers whose returns show aggressive deductions use bank statement programs to document the income they actually earn.
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No tax returns. No W‑2s. Qualify on rental income.

Bank Statement Calculator

Gross monthly rent ÷ total monthly payment (PITIA)
The market rent used for qualification. Lenders pull this from an appraisal rent schedule (Form 1007) for purchases or the current lease for refinances. Use the lower of the two if both exist.
Principal, interest, taxes, insurance, and association dues (if applicable). Includes the full housing payment, not just principal and interest. Flood insurance counts if required.
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DSCR
0.00
0.00
1.00
1.50+

Meets theLender’s minimum 1.00 DSCR.

Estimate only. theLender’s minimum debt service coverage ratio is 1.00, calculated as gross rents divided by PITIA. Final qualification depends on full underwriting, credit, and property review.

Bank statement loans in Arizona allow self-employed borrowers and real estate investors to qualify for financing using bank deposits rather than traditional income documentation like tax returns or W-2s.

These non-QM programs evaluate borrower income by analyzing monthly deposits over a specified period, making them particularly valuable for entrepreneurs, freelancers, and investors whose tax returns don't reflect their true earning capacity.

Arizona borrowers can access these loans for primary residences, second homes, and investment properties, with underwriters calculating qualifying income by applying expense ratios to deposit amounts. The programs accommodate various income structures including business accounts, personal accounts, and 1099 contractor earnings.

theLender offers bank statement loans using either 12 or 24 months of personal or business bank statements to establish qualifying income.