Frequently Asked Questions

I’m a self-employed tradesperson — can I build a multi-property rental portfolio using DSCR loans even with low Schedule C income?

Yes. DSCR loans qualify each rental property independently on its own rental income — your personal income is never part of the underwriting. There are no Fannie Mae property count limits on DSCR loans. Self-employed tradespeople with strong cash flows build multi-property portfolios through DSCR programs regularly.

Is there a limit on how many DSCR rental properties I can hold?

Most DSCR programs have no maximum property count. Unlike conventional financing (which is limited by Fannie Mae/Freddie Mac guidelines to approximately 10 financed properties), DSCR loans are non-conforming and scale without that ceiling.

Should I hold my DSCR rental properties in an LLC?

Most DSCR investors hold rental properties in an LLC for liability protection, clean entity structure, and scalability. Most DSCR lenders allow and many prefer LLC ownership. The LLC must be properly formed and the lender typically requires a personal guarantee from the member.

Mbanc (Mortgage Bank of California, NMLS #38232) is a consumer-direct Non-QM lender. This content is for informational purposes only and does not constitute a commitment to lend. All loans subject to credit approval.

Mbanc NMLS #38232 | Equal Housing Opportunity Lender

About the Author

Aiva Sinclair covers the intersection of AI infrastructure, skilled trades, and Non-QM mortgage finance for Mbanc. Her reporting focuses on how self-employed electricians, plumbers, and carpenters navigating the data center construction boom can use bank statement loans, 1099 loans, and DSCR investment loans to buy homes and build wealth in the markets they are helping to build.

Contact: sales@mbanc.com | mbanc.com/non-qm-trades