DSCR & Rental
DSCR Cheatsheet
A loan that qualifies based on the property's cash flow — short or long term, with loan durations of 3, 5, 10, 15, 20, or 30 years.
What is it?
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the property's rental income rather than the borrower's personal income — ideal for investors scaling a portfolio without traditional income verification.
Speed & Timelines
- Close in 17–20 days
- Fast approvals for qualified deals
Who We Work With
- New investors
- Experienced investors
Loan Structure
- Based off the current value of the property
- Cannot be used as a primary home loan
- Secondary home purchases only
Loan Parameters
Minimum Purchase Price
$100,000
Maximum Loan Amount
$10,000,000
Rates Starting At
5.75%
Loan Terms
3 / 5 / 10 / 15 / 20 / 30 Years
Rates subject to change based on market conditions. Competitive rates and terms across the country.
Required Documents
- LLC
- EIN
- Operating Agreement
- Driver's License
- Scope of Work
- Experience Sheet
- Insurance
- Purchase & Sale Agreement
- Annual Property Income
- Annual Taxes
- Annual Insurance
Coverage
Nationwide lending — all 50 states + Hawaii
Key Features
- Cashout up to 75% of LTV
- Rate & Term up to 80% of LTV
- Hard credit pull required
Ideal Client Profile
Is this loan right for you?
- Real estate investor looking to grow their portfolio
- Property with strong rental income
- Purchase or refinance on an investment or secondary home
Why clients choose us
- "DSCR loans are perfect for investors who want to grow their portfolio without using personal income."
- "We qualify the property, not the person. If the rental income works, we can fund it."
- "Close in as little as 17 days and get leverage to scale faster."
Pro Tips
- Confirm rental income, taxes, and insurance upfront to avoid delays
- DSCR works great for out-of-state investors
- Use DSCR to scale — more properties, more cash flow, more wealth
- A clean file and complete docs = faster closing!
Ready to fund your next deal?
Start a quick application in minutes. Our lending partners will match you with the right program for your project.