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.
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.
No personal income or employment verification — approval is driven by the property’s rental performance.
Finance multiple doors and keep scaling, without the caps that come with conventional lending.
Long-term, fixed-rate financing for buy-and-hold investors who want predictable monthly costs that never move.
Available across 47 states, including for out-of-state investors buying in new markets.
Specific rates, LTVs, and minimum DSCR vary by deal — request a quote for exact terms.
Buy-and-hold investors, self-employed borrowers, and portfolio builders who want financing that keeps pace with their growth.
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.
Tell us about the property. We’ll get back to you with a term sheet — fast.
Contact us · (502) 586-3698