DSCR & Rental Loans
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DSCR & Rental Loans

Qualify on the property's cash flow, not your personal income.

No Income Verification30-Year Terms AvailablePortfolio-FriendlyUnlimited Properties
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Program Overview

How It Works

DSCR (Debt Service Coverage Ratio) loans qualify you based on the rental income the property generates relative to its debt obligations — not your personal income, employment history, or tax returns.

Built for buy-and-hold investors, DSCR loans make it possible to scale a rental portfolio without the paperwork and income caps of conventional financing.

Ideal For

  • Buy-and-hold investors building a rental portfolio
  • Landlords with multiple financed properties
  • Short-term rental (Airbnb/STR) property owners

Program Features

Qualification based on property cash flow (DSCR), not personal income
No tax returns, W-2s, or employment verification required
30-year fixed and adjustable-rate terms available
Finance an unlimited number of rental properties
Available for single-family, 2-4 unit, and short-term rental properties
Cash-out refinance options for existing rental owners

Borrower Requirements

Minimum credit score ~680 (flexible based on deal strength)
Property DSCR ratio generally at or near 1.0+
No personal income or tax return documentation required
No recent major credit events (bankruptcy, foreclosure, etc.)

Got Questions?

DSCR & Rental Loans FAQ

What DSCR ratio do I need to qualify?+
We typically look for a DSCR at or near 1.0, meaning the property's rental income covers its debt payments. Deals below that threshold may still qualify depending on overall deal strength.
Can I use short-term rental (Airbnb) income to qualify?+
Yes, short-term rental income can be used to support qualification on eligible properties.
How many rental properties can I finance?+
There's no cap on the number of financed properties in your portfolio — DSCR loans are built for investors scaling beyond conventional lending limits.
Do you require tax returns or income verification?+
No. DSCR loans are qualified entirely on the property's rental cash flow, not your personal income, employment, or tax returns.

Explore More

Other Loan Programs

Fix & Flip

Finance the purchase and renovation of investment properties. Fund up to 100% of acquisition and 100% of rehab costs, sized off after-repair value.

Bridge

Short-term financing to bridge the gap between transactions — move on time-sensitive acquisitions, refinance, or reposition a property while you line up your long-term exit.

Ground Up

Fund new-build projects from the lot to the finished home. Draw schedules keep pace with your build so your crews are never waiting on capital.

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Ready to fund your dscr / rental deal?

Submit your details and get a custom loan quote — no tax returns or lengthy bank process required.

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