Can I use Furnished Finder or travel nurse platform income for DSCR?

DSCR qualifies on market rent (Form 1007) — the appraised standard rental value for the property. Platform rates from Furnished Finder or similar services are your investment premium on top of that, not the underwriting basis. The higher platform income is what makes the investment attractive; Form 1007 market rent is what the lender uses to qualify.

Does my travel nurse property need to cash flow?

No. 184 no-ratio programs don't evaluate DSCR at all — there's no minimum debt-service coverage ratio required. Use the eligibility checker to see which programs fit your property.

What FICO score and down payment do I need for a travel nurse housing DSCR loan?

Minimum FICO is 600. At 720+ FICO: 15% down payment, 85% LTV on purchase. At 640 FICO: typically 25–30% down. No-ratio programs are available at all credit tiers. Rate-term refinance goes to 85% LTV; cash-out refinance goes to 80% LTV.

Travel Nurse Housing Loans | DSCR Financing for Mid-Term Rentals

Q: Can I close in an LLC?

Yes. Entity ownership is allowed — you can close in an LLC, LP, or other legal entity. This is standard for investment property DSCR loans.

How It Works

From Eligibility Check to Closed Loan

Four steps to finance your travel nurse housing property using DSCR — no personal income documentation required.

1

Check Eligibility

Complete the 7-question qualifier. It matches your deal to 13+ lenders across 1,263 program configurations. No credit pull.

2

Property Review

Lenders evaluate market rent (Form 1007), your FICO tier, hospital proximity, and LTV. No W-2 or personal income docs needed.

3

Lender Match

You're matched across 1,263 program configurations, including no-ratio programs that don't require any DSCR minimum.

4

Close

Typical close in 3–4 weeks. LLC ownership allowed. No W-2 or tax returns required at closing.

Loan Programs

Purchase, Refinance & Cash-Out

All programs qualify on market rent (Form 1007) — not personal income. No W-2 required across all loan types.

Purchase

Up to 85% LTV

720+ FICO: 15% down, 85% LTV
640 FICO: 25–30% down
Market rent (Form 1007) qualifies
No W-2 required
LLC ownership allowed
No-ratio programs available

Refinance

Rate-Term Refinance

Up to 85% LTV

Lower your rate or change terms
DSCR qualifies on Form 1007 market rent
No personal income docs
LLC vesting accepted
No-ratio programs available

Cash-Out

Cash-Out Refinance

Up to 80% LTV

Pull equity for your next property
No personal income docs required
DSCR on market rent (Form 1007)
LLC vesting accepted
No-ratio programs available

Why DSCR

Why DSCR for Travel Nurse Housing?

Most traditional lenders reject furnished mid-term rentals outright. They see "Furnished Finder listing" or "travel nurse housing" and treat it as a short-term rental or an unclassifiable property type — and either decline the file or push investors into hard money at 10–12% rates.

DSCR changes the picture entirely. These loans qualify on market rent using Form 1007 — the appraised standard rental value of the property. The 1.5–2× platform premium you earn from Furnished Finder or similar services is your investment advantage on top of that. It's what makes travel nurse housing a high-performing niche. But it's not the underwriting basis. The lender uses Form 1007 market rent. If that rent supports the mortgage, you qualify.

13-week contract cycles align with hospital staffing rosters. Properties within 10–15 minutes of major medical centers experience near-continuous occupancy across contract cycles. That demand stability — combined with furnished premiums and DSCR's no-income-doc structure — makes this one of the strongest niches in residential real estate investing today.

Loan Requirements

DSCR Loan Requirements at a Glance

Min FICO

600

720+ for best LTV

Max LTV — Purchase

85%

At 720+ FICO (15% down)

Max LTV — Rate-Term

85%

No income docs required

Max LTV — Cash-Out

80%

Pull equity tax-efficiently

Max Loan

$3.5M

Jumbo programs available

Income Docs

None

Form 1007 market rent appraisal

DSCR Minimum

None

No-ratio programs available

States

47

Nationwide coverage

FAQ

Frequently Asked Questions

DSCR qualifies on market rent (Form 1007) — the appraised standard rental value for the property. Platform rates from Furnished Finder or similar services are your investment premium on top of that. The higher platform income is what makes travel nurse housing attractive as an investment; Form 1007 market rent is what the lender uses for underwriting. These are two separate figures, and that distinction matters.

No. 184 no-ratio programs don't evaluate DSCR at all — there's no minimum debt-service coverage ratio required. These programs are designed for investors who have equity, strong credit, and don't want their property's rent to constrain their loan options. Use the eligibility checker to see which programs fit your deal.

No. Qualification is based on the Form 1007 market rent appraisal — the property's income, not yours. No W-2, no tax returns, and no personal income documentation is required. This is what makes DSCR fundamentally different from conventional financing.

Yes. Entity ownership is fully allowed — you can close in an LLC, LP, or other legal entity. This is standard for investment property DSCR loans and is built into the programs we work with.

Minimum FICO is 600. At 720+ FICO: 15% down payment, up to 85% LTV on purchase. At 640 FICO: typically 25–30% down. Rate-term refinance goes up to 85% LTV; cash-out refinance goes up to 80% LTV. No-ratio programs are available at all credit tiers — use the eligibility checker to see exactly where you land.

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