Everything you need to know to succeed as a DSCR Flow affiliate partner. Read through each module at your own pace.
Welcome to DSCR Flow. I'm going to walk you through exactly how our affiliate program works, what your role is, and how we work together to serve real estate investors.
Here's the simple version: You bring the investors. We handle everything else.
DSCR Flow is a lending platform specializing in DSCR loans — Debt Service Coverage Ratio loans designed specifically for rental property investors. These loans are different from traditional mortgages in one critical way: they qualify borrowers based on the property's rental income, not the borrower's personal income.
No tax returns. No W-2s. No pay stubs. No complicated income verification. The property qualifies itself based on cash flow. This is a game-changer for investors who have complicated financial situations, write off aggressively, or simply don't want to deal with income documentation.
Your role as an affiliate is straightforward. You have an audience of real estate investors. Maybe you're a coach or educator teaching people how to invest. Maybe you're a content creator with a following of investor-minded people. Maybe you're a real estate agent who works with investor clients. Maybe you run a community, a meetup, or a mastermind.
Whatever your platform, your audience needs financing to grow their portfolios. That's where we come in.
As an affiliate, you get a white-label site. This is a fully branded lending portal with your logo, your colors, and optionally your own domain name. When your investors visit, it looks like your platform. They can learn about DSCR loans, check eligibility, and submit applications directly.
When an application comes through your site, it routes directly to our lending team. We take it from there — completely. We contact the borrower, pull credit, collect documents, order the appraisal, underwrite the file, handle compliance, and close the loan. Your involvement in the lending process is zero.
When deals close, you get paid. Every loan that funds through your site generates a referral fee. You can track applications, pipeline status, and closings through your affiliate dashboard.
To effectively refer investors, you need to understand what you're offering them. Let's break down DSCR loans in detail so you can speak confidently about the product.
DSCR stands for Debt Service Coverage Ratio. It's a simple calculation:
PITIA = Principal + Interest + Taxes + Insurance + HOA (if applicable)
If a property rents for $2,400 per month and the total payment is $2,000, the DSCR is 1.2. That means the property generates 20 percent more income than needed to cover the debt. Lenders want to see a DSCR of at least 1.0 — meaning rent equals payment — and prefer higher ratios for better terms.
Here's what makes DSCR loans revolutionary: they don't require income verification. None. No tax returns. No W-2s. No pay stubs. No profit and loss statements. The property qualifies entirely on its own cash flow.
Think about what that means for your audience:
Not every investor is a fit for DSCR financing. Sending unqualified referrals wastes everyone's time and hurts your close rate. Let me help you identify the ideal borrower profile so you know exactly who to target.
Focus on investors who are frustrated with income documentation. That's your core audience. Those people will immediately resonate with the DSCR value proposition.
As a DSCR Flow affiliate, you get a branded white-label site to send your investors to. This is your primary tool for converting your audience into loan applications.
When an application comes through your site, it's automatically tagged to you. Our system tracks the source. You don't need to do anything special — the attribution is built in.
You have access to an affiliate dashboard where you can see everything: new applications, files in processing, loans that have closed, and your earnings. Full transparency on your pipeline without any involvement in the actual lending process.
The site handles education and conversion. Your job is driving qualified traffic.
Want changes beyond logo and colors? We can adjust copy, add specific pages, or integrate with your existing marketing stack. Talk to your affiliate manager.
Let's talk about compensation — how you earn money as a DSCR Flow affiliate and when you get paid.
You earn a referral fee on every loan that closes through your white-label site. When an investor applies through your branded portal and we successfully fund their loan, you receive a fee based on the loan amount.
Example: $500K loan = $2,500 referral fee (or $5,000 with docs)
You get paid after the loan funds and clears any applicable rescission or funding verification period. This typically means payment within 2-4 weeks after closing. We're not holding your money — we're ensuring the loan is fully funded and final before paying out.
Your affiliate dashboard shows:
The more qualified investors you send, the more loans close, the more you make. Scale your content, grow your audience, and the referral fees scale with it. Questions about your specific agreement? Reach out to your affiliate manager anytime.
Ready to start earning?
Become an Affiliate