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Qualify based on rental income, not personal tax returns. Flexible DSCR financing for single-family rentals, portfolios, and investment opportunities.
DSCR stands for Debt Service Coverage Ratio. It's a lending metric designed specifically for income-producing properties.
We evaluate your loan based on the property's rental income, not your personal income or tax returns.
DSCR requirements range from 0.75 to 1.25, allowing you to qualify on cash-flowing or value-add properties.
Qualify for single-family rentals, 2-4 units, portfolios, short-term rentals, and mixed-use properties.
A straightforward process to finance rental properties based on income potential.
Provide rent rolls, lease agreements, bank statements, or projected income for the property.
We analyze annual net operating income divided by annual debt service to determine loan eligibility.
Get loan amount, rate, terms, and DSCR-based pricing within 24-48 hours.
Our team reviews property documentation, lease agreements, and financial projections.
Property appraisal confirms value and income assumptions for final approval.
Fund your investment property and begin generating income within 14-21 days of approval.
DSCR loans are designed for real estate investors and property owners who prioritize cash flow and income-based lending:
We finance DSCR loans across a full range of income-producing residential properties:
Real examples of how investors use DSCR financing to expand their portfolios.
Scenario: $300K property with $2,000/month rent ($24K annual), no personal income documentation needed.
Solution: DSCR of 1.1x approval based on rent roll, loan up to $240K, 30-year fixed at competitive rates.
Scenario: Investor owns 3 rentals, wants to purchase 4th property worth $500K with $3,500/month projected rent.
Solution: Portfolio DSCR approved based on combined property income, flexible debt service calculation.
Scenario: Airbnb property on vacation rental platform, averaging $3,500/month income, limited tax return documentation.
Solution: Income verified through booking history and bank deposits, DSCR qualification based on net income.
Scenario: Distressed property purchased for $200K, renovated, now renting for $2,200/month.
Solution: Refinance with DSCR based on current rental income plus rental comps, access equity for next project.
Scenario: Investor wants to acquire 5 properties within 12 months, needs portfolio DSCR strategy.
Solution: Flexible DSCR approvals, portfolio accounting, and pre-approval for multiple acquisitions.
Scenario: Property cash-flowing but DSCR is 0.85x, investor wants to access equity or lower payments.
Solution: Lower DSCR programs available for experienced investors, rate-and-term or cash-out options.
Common questions about DSCR loans and investment property financing.
Ready to expand your rental portfolio? Submit your property details and receive a DSCR loan estimate within 24 hours.
