DSCR Loans
DSCR Rental Loans
Long-term financing based on your property’s income not yours. No tax returns, no W-2s, no employment verification. Build your rental portfolio the smart way.No hard credit pull. Same day pre-approval.
$100K–$2M
Loan Amount
Up to 80%
LTV
From 5.9%
Interest Rates
21 Days
Avg. Close Time
DSCR: Debt Service Coverage Ratio
DSCR (Debt Service Coverage Ratio) is the essential non-QM financial metric that real estate investors and commercial lenders use to quickly assess the cash flow sufficiency of a profitable investment property.
Qualify Based on the Property, Not Your W-2
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to scale their rental portfolios without the hassle of traditional income documentation. We look at one thing: does the property’s rental income cover the mortgage payment?
This makes DSCR loans perfect for self-employed investors, business owners with complex tax returns, or anyone who wants to keep their personal finances separate from their investment properties. Close in an LLC, build your portfolio, and let the property pay for itself.
Whether you’re acquiring a new rental, refinancing out of a short-term loan, or doing a cash-out to fund your next deal, our DSCR program offers the flexibility and speed you need to keep growing.
How DSCR Works
DSCR measures a property’s ability to cover its debt obligations. It’s a simple ratio that compares the property’s gross rental income to its total monthly mortgage payment (PITIA).
The Formula
DSCR = Monthly Rent ÷ PITIA
1.25
1.00
0.75
Example DSCR Calculation
| Monthly Rent | $2,400 |
| Principal & Interest | $1,450 |
| Property Taxes | $280 |
| Insurance | $120 |
| HOA (if applicable) | $50 |
| Total PITIA | $1,900 |
Your DSCR
1.26
✓ Qualifies for best rates
Eligible Property Types
Our DSCR program covers a wide range of investment properties across all 45 states.
Single Family
SFR homes including detached, attached, and PUDs
2 - 4 Units
Duplexes, triplexes, and fourplexes
5+ Multifamily
5 + Multi-Family Properties
Condos & Townhomes
Warrantable and non-warrantable condos
Short-Term Rentals
Airbnb properties (with income history)
Portfolios
Blanket loans covering multiple properties
Loan Terms & Requirements
Flexible terms designed for long-term rental property investors.Loan Parameters
Loan Amount
$100K – $2M
Max LTV (Purchase)
80%
Max LTV (Rate/Term Refi)
80%
Max LTV (Cash-Out)
75%
Min DSCR
1.00
Rates & Terms
Interest Rates
From 5.9%
Loan Terms
30-Year Fixed, ARMs, IO
Amortization
30 Years
Prepayment Options
Flexible
Interest-Only
Available
Borrower Requirements
Min Credit Score
680
Reserves
6–9 months PITIA
Entity Vesting
LLC, Corp, Trust OK
Foreign Nationals
Eligible
First-Time Investors
Allowed
Why Investors Choose DSCR
The smarter way to finance your rental portfolio.No Tax Returns
Skip the paperwork nightmare. We don't need W-2s, pay stubs, or tax returns. Qualification is based entirely on the property's rental income.
Close in Your LLC
Protect your personal assets. DSCR loans allow you to close directly in your LLC, corporation, or trust—no personal name required.
No DTI Limits
Your personal debt-to-income ratio doesn't matter. Scale your portfolio without hitting conventional loan limits or DTI caps.
Fast Closings
Simple underwriting means faster closings. Most DSCR loans close in 21 days or less—perfect for competitive markets.
Unlimited Properties
No caps on how many financed properties you can have. Build a 10, 50, or 100-property portfolio with DSCR loans.
BRRRR-Friendly
The perfect exit from your bridge or fix-and-flip loan. Refinance into a 30-year term and recycle your capital into the next deal.
DSCR vs. Conventional Loans
See why investors prefer DSCR for building their rental portfolios.| Feature | DSCR Loan | Conventional |
|---|---|---|
| Income Documentation | None Required | 2 Years Tax Returns |
| Employment Verification | Not Required | Required |
| Close in LLC | ✓ Yes | ✗ Personal Name Only |
| DTI Requirements | None | Max 45–50% |
| Max Financed Properties | Unlimited | 10 Maximum |
| Self-Employed Friendly | ✓ Ideal | Complex Documentation |
| Typical Closing Time | 21 Days | 45–60 Days |
Frequently Asked Questions
Common questions about our DSCR loan program.
What credit score do I need for a DSCR loan?
Our minimum credit score for DSCR loans is 680. Higher credit scores (700+) qualify for better rates and higher LTV options. We pull soft credit for all guarantors on the loan, and we use the middle score of the primary borrower for pricing.
Can I get a DSCR loan on a property I just purchased?
How do you calculate rent if the property is vacant?
For vacant properties on a purchase, we use the market rent from the appraisal. If you have a signed lease, we’ll use the actual lease rent. For occupied properties with below-market rents, we use the current rents.
Do you offer DSCR loans for short-term rentals (Airbnb)?
Yes! We finance short-term rentals, including Airbnb properties. We typically use 12 months of income history from the booking platform or a third-party income projection from services like AirDNA.
What are the prepayment penalty options?
We offer several prepayment structures: 5-4-3-2-1 (5% in year 1, declining each year), 4-3-2-1, all the way down to no prepay options. Choosing a longer prepay term typically gets you a better interest rate.
Can I finance multiple properties under one loan?
Yes, we offer blanket DSCR loans for portfolios of 2-20 properties. This simplifies your portfolio management with one payment and one loan.
Ready to Grow Your Rental Portfolio?
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