DSCR 1-4 Unit Equity First Loan Program

Equity is the new qualifier for investor borrowers.

When Credit Says No, Equity Says Yes.

Not every real estate investor has perfect credit. Many have built significant equity, but are turned away because of low credit scores, recent credit events, mortgage lates, or traditional DSCR requirements. Champions Funding's Equity First DSCR 1-4 Unit loan program changes the equation.

Instead of focusing on a borrower's credit profile, Equity First puts the emphasis on the property's equity. With Champions Funding, you have a powerful solution to rescue investment property loans that other lenders decline.

Rescue deals other lenders leave behind.
Alternative Documentation
Help your homebuyers and investors win big with fast, flexible Alt-Doc loan solutions. Alternative Documentation (Alt-Doc) programs are built for borrowers who don’t fit the traditional mold—no W2s or tax returns required. Instead, income is verified through bank statements, P&L-only, 1099-only, WVOE-only, asset utilization, and more. Whether it's self-employed borrowers or seasoned investors, Alt-Doc loans make it easier to qualify—and faster to fund.

Program Highlights

DSCR 1-4 Units

No min. FICO (no FICO required)
Max CLTV 55%
Max Loan Amount $1.5M
No DSCR calculation
1 day out of Bankruptcy allowed
Mortgage lates allowed*
Borrowers to be less than 90 days late at closing
Not sure about DSCR loans? Learn more here.

*See program guidelines for complete details and eligibility requirements
Low or No Credit Score No minimum FICO requirement means borrowers aren’t automatically eliminated because of credit score.
Refinance Hard Money Loans Transition investors from short-term financing into stable, long-term mortgage solutions.
Cash-out Opportunities Help borrowers leverage existing equity, even after previous credit challenges or financial hardship.
Recent Credit Events Recent bankruptcy, mortgage lates, and delinquency don’t have to end the conversation.
No DSCR Calculation Focus on the strength of the property’s equity rather than debt service coverage ratios.
Let's Get started

What is DSCR?

Learn More

White Label Marketing

Learn More

Quick Pricer

Learn More

Become an Approved Broker

Champion your loan with the Champs of the Non-QM Market

© 2026 All Rights Reserved. Equal Housing Opportunity. Champions Funding, LLC, 365 E. Germann Rd., Suite 140 Gilbert, AZ 85297. NMLS ID #2254210. For licensing, visit nmlsconsumeraccess.org. Information is solely intended for mortgage bankers, mortgage brokers, and financial institutions and is not an advertisement to extend credit directly to consumers.
By clicking “Accept All Cookies”, you agree to the storing of cookies on your device to enhance site navigation, analyze site usage, and assist in our marketing efforts. View our Privacy Policy for more information.
Privacy Preference Center
When you visit websites, they may store or retrieve data in your browser. This storage is often necessary for the basic functionality of the website. The storage may be used for marketing, analytics, and personalization of the site, such as storing your preferences. Privacy is important to us, so you have the option of disabling certain types of storage that may not be necessary for the basic functioning of the website. Blocking categories may impact your experience on the website.
Manage Consent Preferences by Category
Essential
Always Active
These items are required to enable basic website functionality.
Marketing
These items are used to deliver advertising that is more relevant to you and your interests. They may also be used to limit the number of times you see an advertisement and measure the effectiveness of advertising campaigns. Advertising networks usually place them with the website operator’s permission.
Personalization
These items allow the website to remember choices you make (such as your user name, language, or the region you are in) and provide enhanced, more personal features. For example, a website may provide you with local weather reports or traffic news by storing data about your current location.
Analytics
These items help the website operator understand how its website performs, how visitors interact with the site, and whether there may be technical issues. This storage type usually doesn’t collect information that identifies a visitor.