How Quickly can DSCR Loans Close?

For real estate investors, speed can be just as important as strategy. Whether you're jumping on a below-market property or competing in a tight buyer's market, securing financing quickly is often the difference between a successful deal and a missed opportunity. Fortunately, DSCR loans are built with speed and simplicity in mind—making them a top choice for investors who need to move fast.

At Club 500 Wealth Network, we take it a step further. Our Fast Track DSCR loan program offers closings in as little as 7–10 business days, providing investors with a powerful edge when time is of the essence.

Don’t wait around—Get a Loan Quote and see how quickly you can close!

What Is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a type of real estate investment loan that focuses on the cash flow of the property—not your personal income. Lenders use the property's rental income to determine whether it can cover the debt payments, typically looking for a DSCR of 1.0 or higher.

This makes DSCR loans ideal for:

• New and experienced investors
  
  

• Borrowers with complex tax returns or non-traditional income
  
  

• Individuals building or scaling a rental portfolio
  
  

• Buyers using an LLC or other entity
  
  

Because qualification is based on the asset itself, there’s less paperwork, faster underwriting, and fewer personal hoops to jump through.

Want to see if you qualify? Get a Loan Quote

DSCR Loans vs. Conventional Loans

Let’s compare. A conventional loan is designed for homeowners and is based heavily on personal financial documentation—W-2s, tax returns, credit scores, and income-to-debt ratios. For investors, this can often create friction, delays, or even denials.

By contrast, a DSCR loan:

• Doesn’t require personal income verification
  
  

• Allows you to close in an LLC or business name
  
  

• Is focused on the property’s ability to generate rental income
  
  

• Typically requires only a rental analysis, credit check, and basic asset documents
  
  

This more flexible structure results in faster approvals and quicker closings, especially when you’re working with a lender that understands investor needs.

So, How Fast Can DSCR Loans Really Close?

Standard DSCR loans can close in 10–21 days, depending on how quickly documents are submitted and appraisals are returned. That alone is much faster than the 30–45 days it can take for a traditional mortgage to close.

But for investors facing tight timelines—such as foreclosure auctions, 1031 exchange deadlines, or sellers demanding a quick close—waiting even three weeks can be too long.

That’s where Club 500 Wealth Network’s Fast Track DSCR Program comes in.

Fast Track DSCR Loans: Close in 7–10 Business Days

Our Fast Track service is designed to deliver maximum speed without cutting corners. With a dedicated processing team and an optimized underwriting workflow, we’re able to close select DSCR loans in as little as 7–10 business days.

This option is perfect for:

• Cash-out refis with time-sensitive reinvestments
  
  

• Auction or distressed property purchases
  
  

• 1031 exchange deadlines
  
  

• Off-market deals requiring a quick close
  
  

Need to move fast? Get a Loan Quote and ask about our Fast Track option.

What Makes Our Fast Track Process Different?

Speed is only useful if the process is reliable. Our Fast Track clients benefit from:

• Pre-underwriting consultation – We review your scenario up front to ensure it qualifies for Fast Track processing.
  
  

• Streamlined appraisal scheduling – We work with appraisers who prioritize our Fast Track clients.
  
  

• Priority processing – Your file is flagged and given top-tier priority at every stage.
  
  

• Dedicated support – You work with a loan specialist who understands DSCR loans inside and out.
  
  

With the right property, a prepared borrower, and responsive third parties, we can move from submission to funding in under two weeks.

Not sure if your deal qualifies? Get a Loan Quote and let’s talk about your timeline.

Final Thoughts: Don’t Let Slow Funding Kill a Good Deal

In real estate investing, timing is everything. DSCR loans are already one of the fastest, most investor-friendly financing tools available—but with Club 500 Wealth Network’s Fast Track program, you can accelerate the process even more.

Whether you're refinancing a cash-flowing asset or purchasing your next rental, don’t settle for lenders that drag their feet. We’re here to help you close quickly, efficiently, and confidently.

Take the first step today — Get a Loan Quote and discover how fast we can get you funded.