DSCR Rental Loans
Long-term financing that qualifies on the property’s cash flow — not your personal income. Built for buy-and-hold investors scaling a rental portfolio.
The Basics
What is a DSCR loan?
DSCR stands for Debt Service Coverage Ratio — a simple comparison of a property’s rental income to its debt payments. In short, the loan qualifies based on whether the property pays for itself, rather than on your tax returns or W-2 income.
That makes it a natural fit for self-employed investors and anyone scaling a portfolio, where traditional income documentation can get in the way. Because qualification is property-driven, the process is typically faster and far lighter on paperwork than conventional financing.
Our DSCR loans are 30-year fixed-rate, with an optional 10-year interest-only period — a flexible way to maximize monthly cash flow in the early years of a hold.
Qualify on cash flow
No personal income or employment verification — approval is driven by the property’s rental performance.
Built for portfolios
Finance multiple doors and keep scaling, without the caps that come with conventional lending.
30-year fixed rate
Long-term, fixed-rate financing for buy-and-hold investors who want predictable monthly costs that never move.
Nationwide reach
Available across 47 states, including for out-of-state investors buying in new markets.
At a Glance
The essentials.
- Loan purposePurchase, rate-and-term, or cash-out refinance
- Property typesSingle-family, 2–4 units, select multifamily
- Loan term30-year fixed rate
- Interest-only optionOptional 10-year interest-only period
- QualificationProperty DSCR (rent vs. debt service)
- Income docsNot required
- Availability47 states
Who It’s For
Investors building
lasting cash flow.
Buy-and-hold investors, self-employed borrowers, and portfolio builders who want financing that keeps pace with their growth.
Specific rates, LTVs, and minimum DSCR vary by deal — request a quote for exact terms.
How It Works
From inquiry to closing,
without the runaround.
A loan officer reviews your deal and confirms DSCR fits. No pressure — just clarity.
Submit your application and property details. Light on paperwork by design.
We order your appraisal through established, local appraisers who know their markets — so valuations come back fair, well-supported, and on time.
We verify the property’s numbers and move toward approval, keeping you informed.
The deal closes and the property goes to work in your portfolio.
Questions
DSCR, answered.
Generally no. DSCR loans qualify on the property’s rental cash flow, so personal income and employment verification usually aren’t required.
Absolutely. We regularly work with out-of-state investors and lend across 47 states.
Most loans close in roughly 15–30 days, depending on the appraisal and final underwriting.
First-time investors can still qualify — terms and leverage may differ, and we’ll walk you through exactly what to expect.
Get Started
Ready to fund your next rental?
Tell us about the property. We’ll get back to you with a term sheet — fast.
Fund My DealThe fastest way to a term sheet? A phone call.
Reach us and let’s talk through your deal.