DSCR Loans
Qualify on the property's debt service coverage ratio, not your W-2. Long-term financing for buy-and-hold investors building a rental portfolio.
1.20
Min DSCR
80%
Max LTV
$75K – $3M
Loan Amount
30 yr amort.
Term
Qualify on the property, not your paystub
DSCR loans qualify off the rental property's cash flow — the debt service coverage ratio — not your personal income. Perfect for self-employed investors and portfolio builders.
No W-2 required
Underwriting focuses on the property's rent relative to its debt, not your personal income documentation.
Long-term financing
30-year amortization keeps monthly payments low and cash flow healthy — built for buy-and-hold investors.
Portfolio-friendly
Finance multiple rental properties under one consistent program as you scale your portfolio.
Cash-out refinance available
Pull equity from stabilized rentals to fund your next acquisition without selling.
Who it's for
Buy-and-hold investors
Investors acquiring or refinancing 1-4 unit rental properties for long-term cash flow.
Self-employed investors
Investors whose personal income documentation doesn't reflect their real borrowing capacity.
Portfolio builders
Investors scaling a rental portfolio who need consistent, repeatable financing.
Eligibility checklist
- 1-4 unit residential, non-owner-occupied rental properties
- Property rented or rent-ready with market lease support
- DSCR of at least 1.20 (rent ÷ debt)
- Max 80% LTV on purchase or refinance
- Subject property cash-flow qualifying
From application to funding
A clear, five-step path. We move at your pace — and as fast as 7 days when the deal is ready.
- 01
Apply
Submit a short pre-qualification form. No upfront fees, no hard credit pull — tell us about your deal.
- 02
Get a Term Sheet
Receive a clear term sheet with rates, LTV, and terms — usually within 24 hours of review.
- 03
Underwriting
Our in-house underwriting team reviews the property and your project. Decisions are made directly — no middleman.
- 04
Close
Sign and close on your timeline. We coordinate with title so closing happens as fast as 7 days.
- 05
Fund
Funds are wired and, for rehab builds, draws release as your milestones are verified. You get to work.
Estimate your loan
Get a ballpark for your deal before you apply. Your term sheet is the real quote.
Loan Estimator
Ballpark numbers — your term sheet is the real quote.
Estimates only, not a commitment to lend. Final terms depend on property review and underwriting.
DSCR Loans FAQ
A long-term rental loan qualified on the property's debt service coverage ratio — the gross rent divided by the annual debt payment — instead of your personal income. It's ideal for self-employed investors and portfolio builders.
Most programs require a minimum DSCR of 1.20, meaning the rent covers the debt payment by 20%. Higher DSCR can improve your terms; lower DSCR may require a reduced LTV.
No personal income documentation is required to qualify — that's the point. The property's rent and expenses drive the decision.
Yes. Stabilized, leased rental properties can be refinanced to pull out equity — up to 80% LTV — to fund your next acquisition.
Yes — DSCR loans are built to be repeatable. Many investors finance multiple 1-4 unit rentals under the same program as they scale.
Apply for DSCR Loans
No upfront fees, no hard credit pull. Get a clear term sheet from a direct lender — usually within 24 hours.