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DSCR Rental Loans (Debt Service Coverage Ratio)

Qualify Based on Cash Flow, Not Your Personal Income

Stop letting debt-to-income (DTI) limits, tax returns, and employment verification stall your real estate portfolio growth.

 

Our DSCR (Debt Service Coverage Ratio) Loan Product allows real estate investors to qualify for long-term financing based solely on the rental income generated by the property, not your personal income.

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If you are looking to scale your portfolio with competitive rates and high leverage — without the traditional bank hassle — this balance-sheet nationwide product is built for you.

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What is a DSCR Loan?

 

A DSCR loan measures the cash flow of an investment property. As long as the market rental income of the property covers your primary housing expenses—Mortgage Principal & Interest, Taxes, and Insurance (PITI)—the property qualifies for financing.

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Your personal salary, tax write-offs, and employment status are completely bypassed.

DSCR Loan Program Highlights

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  • High Leverage: Up to 80% LTV (Loan-to-Value) available for both purchase and cash-out refinancing transactions.

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  • Property Flexibility: Applicable on 1 to 10-unit residential properties.

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  • Substantial Loan Amounts: Financing options ranging from $250,000 to $3,000,000.

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  • Modern Rental Strategies Welcomed: We don't just finance traditional long-term rentals. We fully support and finance Short-Term Rentals (Airbnb/VRBO) and PadSplit properties.

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  • Long-Term Stability: Enjoy a secure 30-year loan term.

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  • Flexible Monthly Payments: Choose between an Interest-Only (IO) payment structure to maximize your monthly cash flow, or a fully amortized option to pay down principal.

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  • Competitive Origination Fees: Low upfront costs ranging from 0% to 2% based on your loan structure.

Requirements to Qualify

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  • Minimum Credit Score: 680

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  • Property Cash Flow: The rental income must cover the mortgage payment, property taxes, and insurance.

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  • Note on Credit Pulls: While long-term rental loans utilize standard credit review processes, our initial evaluations can be discussed transparently to protect your timeline.

How It Works: Simple Portfolio Growth

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1. Submit Property Info: Provide the purchase price or estimated value along with current or projected rental rates.

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2. Appraisal & Rent Survey: We order a standard appraisal including a rental market survey (or use AirDNA projections for short-term vacation rentals) to verify the property's income potential.

 

3. Calculate the Ratio: If the property's gross rental income meets or exceeds the monthly PITI payment, it clears underwriting requirements.

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4. Close & Scale: Secure your 30-year fixed funding and instantly add a cash-flowing asset to your wealth portfolio.

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