NMLS #2636872 | THE DSCR QUEEN
Finance Your Next Property
Without Tax Returns
Qualify based on your property's cash flow—not your personal tax returns, W-2s, or employment history. Our Equity First option is a DSCR loan product with no minimum credit score or minimum DSCR. Build and scale your real estate portfolio on your terms with institutional speed.
Instant 60-Second Pre-Screen · No Hard Credit Pull · Direct Lending Decisions · Equity First DSCR Loan with No Minimum Credit Score or DSCR
500+ Investors
Funded Nationwide
Close in 21 Days
Streamlined Underwriting
What Clients Say
★★★★★
Crystal is great, as a new investor she helped me through every hurdle and informed me along the way to closing out my first deal!
We ran into obstacles and she had alternative solutions almost immediately every time.
Marquis Swinson, Investor
★★★★★
Crystal was so helpful and got my DSCR loan approved and funded in 20 days!
She also explained the whole process to me to where I understood it.
Tammy Lee, DSCR borrower
★★★★★
I have completed two transactions with Crystal Meyer and am already beginning my third within the last 60 days — and that continued partnership speaks for itself!!
Whether approaching a deal from an investor mindset or through a more traditional lending structure, Crystal consistently delivers with clarity, strategy, and genuine care.
Jacqueline Kimbril, Investor
FINANCIAL ARCHITECTURE
The DSCR Advantage - Equity First DSCR Loan with No Minimum Credit Score
Underwrite the asset, not your personal tax returns. Scale your rental portfolio with speed, privacy, and mathematical clarity. The Equity First DSCR loan product requires no minimum credit score or DSCR, making qualification straightforward and accessible.
No W-2s Required
Eliminate personal DTI constraints, tax return audits, and employment verifications. Qualification is driven solely by property cash flow.
Close In An LLC
Safeguard personal wealth. Vest title directly into an entity or multi-member LLC from day one without trigger-on-sale risk or costly refis.
Unlimited Properties
Bypass conventional 10-loan Fannie Mae limits. Expand from 5 doors to 50+ doors without artificial caps on your total financed properties.
Interest-Only Options
Optimize monthly cash flow and boost debt coverage metrics with 10-year interest-only loan structures, freeing capital for reinvestment.
AUDIENCE SEGMENTATION
Built For The
Modern Investor
Qualification is based on property cash flow, not your personal tax returns. Our Equity First DSCR loan option requires no minimum credit score or minimum DSCR. Identify your tier to discover your tailored loan pathway.
First-Time Investors
Break into residential real estate with our Equity First DSCR loan product—no minimum credit score or DSCR requirements, and no strict personal DTI ratios or overwhelming W-2 paperwork.
- No personal debt-to-income caps
- Qualify on market rental appraisal
- Close under an individual or LLC
Portfolio Builders
Scale past the conventional 10-property limit and unlock rapid acquisition speed without slowing down your pipeline.
- Zero limits on total financed properties
- Blanket & individual cash-out options
- Fast funding to win competitive offers
Self-Employed & 1099
Never get penalized for business tax write-offs. Qualify with zero personal tax returns, W-2s, or complex profit-and-loss statements.
- No personal tax return documentation
- Zero employment verification calls
- Asset-focused frictionless underwriting
EFFORTLESS TIMELINE
Path To Closing
Say goodbye to weeks of tax return scrutiny and employment verification. Our asset-based underwriting is engineered around property cash flow, offering DSCR loans with no minimum credit score or DSCR, securing your loan commitment in hours rather than months.
✓ No Tax Returns Required · 24-Hour Pre-Approvals · Equity First: DSCR loan with no minimum credit score or DSCR
01
Submit Application (2 Mins)
Fill out our streamlined online DSCR application in minutes. Provide basic property details, estimated rental revenue, and your investment goals with zero paperwork friction.
02
Fast Pre-Approval (24 Hours)
Receive a competitive DSCR loan term sheet in under 24 hours. We analyze the market rent potential and debt coverage ratio to lock your rate without income verification delays.
03
Close & Collect Rent
Fund your deal in as few as 10-14 days. Take title, place tenants or lease up, and start collecting cash flow immediately with predictable long-term financing.
UNDERWRITING CLARITY
Your Questions,
Answered
No tax returns, no personal DTI calculations, and zero underwriting guesswork. Review critical lending parameters below before structuring your deal.
Need instant scenario review? Speak directly with Crystal
What is the minimum credit score or DSCR required for the Equity First DSCR loan?
Our standard minimum qualifying credit score starts at 620, with premium pricing and maximum leverage available for scores of 680 and above. Because qualification is based entirely on property rental income rather than your personal debt-to-income ratio, previous high personal debt loads will not penalize your approval. The Equity First option is a DSCR loan product with no minimum credit score or minimum DSCR required.
How much down payment or equity is required to close?
For purchase transactions, investors typically bring 15% to 20% down (up to 80-85% Loan-To-Value). On refinances, we offer cash-out options up to 75-80% LTV, allowing you to pull capital from seasoned properties based on current appraised market value without tax return verification. The Equity First option is a DSCR loan product with no minimum credit score or minimum DSCR requirement.
How are DSCR loan interest rates determined?
Rates are primarily driven by the property's Debt Service Coverage Ratio (monthly gross rent divided by monthly principal, interest, taxes, insurance, and HOA), your credit tier, and total LTV. Properties with a DSCR of 1.20x or higher unlock our most aggressive institutional rates and terms.
Can I close directly in the name of an LLC or business entity?
Yes. 100% of our DSCR investment loans are structured to close directly under your LLC, LP, Corporation, or Trust. This protects your personal liability from day one and eliminates the need to execute post-closing deed transfers that risk triggering acceleration clauses.
What is the typical closing timeline from submission to funding?
Our average time to fund is 14 to 21 business days. Because we eliminate personal income verification, employment verifications, and IRS tax transcript delays, our underwriting timeline depends solely on the property appraisal and standard title clearance.
Which states and property types are eligible for financing?
We lend across 45+ states nationwide on single-family residences (1-4 units), long-term rentals, short-term Airbnb/VRBO properties, condotels, and small residential multifamily (5-8 units). Unpermitted additions or non-standard property types can be reviewed on a case-by-case basis.
INSTANT PRE-QUALIFICATION WITH EQUITY FIRST
Check Your Eligibility
No tax returns. No W-2s. Zero impact on your credit score. Get custom DSCR terms mapped directly to your property cash flow in 60 seconds. The Equity First option is a DSCR loan product with no minimum credit score or DSCR requirement.
Borrower & Entity Profile
Enter your primary contact details for pre-approval verification.
Property & Transaction Structure
Select the asset type and your financing purpose.
Financial & Lease Estimates
Estimated figures help calculate your approximate DSCR ratio instantly.
Review & Authorization
Confirm your scenario. Crystal Meyer (NMLS #2636872) will personally structure your rate matrix.
Eligibility Confirmed!
Your DSCR scenario has been routed to Crystal Meyer (NMLS #2636872, Mpire Financial). Crystal will review your numbers and deliver your custom term sheet within 24 hours.
THE DSCR QUEEN | Crystal Meyer, Mortgage Loan Originator NMLS #2636872 | Licensed Texas Realtor #802261
Brokered through Mpire Financial LLC | NMLS #2108504 | Equal Housing Opportunity
Mortgage Advertising & Lending Disclosures: This website is an informational and advertising medium for business-purpose and investor financing solutions including DSCR (Debt Service Coverage Ratio) real estate loans. DSCR loans are non-owner occupied commercial business-purpose investment products and are generally exempt from RESPA and TILA disclosures governing consumer residential mortgages. The Equity First option is a DSCR loan product with no minimum credit score or minimum DSCR. Programs, rates, terms, debt-coverage ratio requirements, loan-to-value limits, and guidelines are subject to underwriting approval, property cash-flow validation, appraisal, and change without notice. Nothing herein constitutes a commitment to lend or a guarantee of loan approval. Financing is not available in jurisdictions where prohibited by law.
For complete licensing verification, consumer lending inquiries, conventional home mortgages, or commercial lending resources, visit our primary portal at ClosedWithCrystal.com.
© 2026 The DSCR Queen. All rights reserved. Equal Housing Lender.