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DSCR / Rental Property Loans

Financing for rental properties based on cash flow, not personal income—perfect for growing your portfolio.
dscr rental

What Is DSCR Financing?

Debt Service Coverage Ratio (DSCR) loans qualify you based on the property’s rental income—not your W-2 or tax returns. Ideal for real estate investors building rental portfolios, whether you’re buying your first door or your fiftieth.

No Income Docs

Qualify on property cash flow, not personal income

Long-Term Rental

Hold and collect rent with stable financing

New Investors OK

First-time rental buyers welcome

Typical Terms

Loan Amount

$50,000 - $500,000

Interest Rates

Starting at 7.99% APR

Time to Fund

1-3 days after approval (varies by program)

Term Structure

Revolving or term options depending on program

DSCR Minimum

1.0+ preferred (monthly rent ≥ monthly PITIA)

Down Payment

20-25% typical

* Rates and terms shown are typical starting points and vary by credit profile, property type, and documentation.

Use Cases

  • First rental property purchase
  • Cash-out refinance to buy next door
  • Portfolio expansion without W-2 verification
  • Self-employed investors with complex tax returns

Eligibility Requirements

  • Personal credit score 620+ preferred
  • Verifiable income (for down payment and reserves)
  • Property must have rental income or rent-ready potential
  • DSCR ≥ 1.0 (property income covers debt)

Required Documents

  • Government-issued ID
  • Proof of down payment funds
  • Lease agreement or rent roll (if already tenanted)
  • Market rent analysis or appraisal
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