At LoanGuys.com, most DSCR and investor loan approvals happen quickly — often in just a few days.
Our process is built for speed and efficiency, helping real estate investors close deals without delays.
⏱️ Typical Timeline Overview
Stage | Description | Average Time |
1. Pre-Qualification | Complete the short online quiz or application | 5–10 minutes |
2. Advisor Review | A LoanGuys.com advisor reviews your details and recommends loan options | 1 business day |
3. Document Submission | You upload bank statements, purchase contract, and ID | 1–2 days |
4. Appraisal & Underwriting | Appraisal ordered and underwriting review begins | 5–10 business days |
5. Final Approval & Closing | Final loan documents prepared and signed | 2–3 business days |
Average Total Time: 2–4 weeks
Turnaround time can vary based on property type, appraisal scheduling, and how quickly documents are provided.
💡 Fast-Track Options
We specialize in fast closings for active investors.
Here’s how to speed things up:
Be document-ready. Upload all required docs right after applying.
Respond quickly. Underwriting moves faster when information is complete.
Order your appraisal early. Delays in appraisals are the #1 reason closings slow down.
Use accurate property info. Providing the correct address, rent, and purchase price helps prevent rework.
If your deal is time-sensitive, tell your loan advisor upfront — we can often rush files through priority processing.
⚙️ Why DSCR Loans Are Faster Than Traditional Mortgages
Unlike standard bank loans, DSCR loans skip tax returns, W-2s, and income verification.
That means less underwriting time, fewer conditions, and faster decisions.
🧠 Pro Insight
Many investors close DSCR loans with LoanGuys.com in as little as 10 business days when all documents are ready upfront.
Your advisor will keep you updated every step of the way — from appraisal to funding — so there are no surprises.
Fast approvals are part of what makes LoanGuys.com a trusted partner for investors who need capital when opportunity strikes.