DSCR Rental Loans
Long-term rental financing based on property cash flow. Designed for investors building stable, income-producing portfolios.
Stability Through Cash Flow
Debt Service Coverage Ratio (DSCR) financing evaluates rental properties based on actual or projected cash flow. This approach recognizes that income-producing properties support themselves through tenant payments.
Perfect for investors scaling rental portfolios or refinancing existing properties with strong cash flow profiles.
Built for Portfolio Scale
Many investors work with us across multiple rental properties. DSCR financing supports consistent growth as your portfolio expands.
- ✓ Cash flow-based underwriting
- ✓ Flexible property types (single-family, multifamily, build-to-rent)
- ✓ Long-term financing options
- ✓ Repeat borrower support
Ideal For
Investors acquiring or refinancing rental properties with strong cash flow. Whether you're building your first rental or scaling a multi-property portfolio, DSCR financing recognizes the income your properties generate.
DSCR Loan Guidelines
Financing structured around property cash flow for rental-focused real estate investors.
Loan Amounts
$75,000 to $3,000,000
Minimum Credit Score
660
Minimum DSCR
0.80x (based on property cash flow)
Leverage
Up to 80% LTV for purchases and rate-term refinances Up to 70% LTV for cash-out refinances
Payment Options
Interest-only payments available for up to 10 years
Loan Terms
30-year fixed or adjustable-rate options (1, 2, 3, 5, or 7-year)
Fees
No application fee
Qualification
No income verification required for qualifying scenarios No W-2s or tax returns required
Loan guidelines and terms are subject to change based on borrower profile, property type, credit characteristics, and market conditions.
Scale With Structure.
Finance With Clarity.
Execute Consistently.
Ready to Finance Your Rental?
Submit your property details and get structured terms within 24 hours.