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. DSCR is simply the property's monthly rent divided by its monthly principal, interest, taxes, insurance, and any HOA dues. A 1.00 DSCR means the property covers its own payment; most programs look for 1.00 or higher, and some allow lower ratios with additional down payment or reserves.
Why investors choose this program
- No tax returns, W-2s, or personal income verification
- Purchase, rate-and-term refinance, and cash-out refinance
- Typical down payment of 20%–25% on purchases
- Title held in your LLC or personal name
- Short-term rentals considered on select programs
- No limit on the number of financed properties on most programs
What we fund
Income-producing, non-owner-occupied residential and small multifamily properties nationwide.
Long-Term Rentals
Single-family, condo, townhome, and 2–4 unit properties held for cash flow on a 30-year or shorter term.
Short-Term Rentals
Airbnb and VRBO properties underwritten on market or documented short-term revenue, where the program allows.
Cash-Out & Portfolio
Pull equity out of stabilized rentals or refinance a completed flip into long-term financing to keep scaling.
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
$30,000,000
Rates Starting At
5.75%*
Loan Terms
3 / 5 / 10 / 15 / 20 / 30 Years
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
- Title, Insurance & Closing Information form (download below)
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
Soft credit check first — no impact to your score.
Checking what you qualify for uses a soft credit inquiry only and does not affect your credit score. A hard inquiry happens later, at or near closing, only with your written authorization and only if the lender requires it.
Required: Title, Insurance & Closing Information form
We begin Title (TCR) and Insurance (EOI) requests immediately upon receipt of this form — submitting it early protects your closing date.
Download the form (PDF) →How the process works
Step 1
Submit Your Deal
Send the property address, purchase price or estimated value, and current or market rent. Pre-qualification is a soft credit inquiry only.
Step 2
Cash-Flow Review
We calculate DSCR from rent versus the projected payment, taxes, insurance, and HOA, and confirm leverage and rate range.
Step 3
Docs, Appraisal & Rent Schedule
Entity documents, insurance, and the Title, Insurance & Closing Information form go in while the appraisal and rent schedule are ordered.
Step 4
Close & Scale
Most files close in 17–20 days. Repeat the process on the next property to keep building the portfolio.
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!
Disclosures
- • Rates quoted are the lowest available starting rates for best-qualified borrowers and are not an offer or commitment to lend. As of August 2026, typical DSCR and long-term rental rates range from approximately 5.75% to 8.50%, plus origination points and customary closing costs.
- • Rates, points, fees, leverage, and terms vary by lender, credit profile, DSCR, property type, occupancy, and market conditions, and are subject to change at any time without notice. All loans are subject to underwriting approval. Business-purpose and investment-property loans only — not for owner-occupied residences.
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.