Scale Your Rental Portfolio with DSCR Loans
Qualify based on your property's income—not your personal income. Perfect for building and scaling your rental portfolio.
Helping real estate investors nationwide • Fast approvals • Expert guidance
Loan Options Designed for Investors
DSCR (Debt Service Coverage Ratio) loans are designed for investors financing or refinancing income-producing properties. Qualification is based on the property's cash flow, not the borrower's personal income.
Ideal Borrowers:
Key Benefits
How It Works
Streamlined underwriting for modern investors.
1. Apply Online
Complete our 3-minute intelligent quote wizard.
2. Customized Quote
Receive a personalized quote tailored to your deal.
3. Streamlined Docs
Upload entity docs and property info. No tax returns.
4. Get Funded
Clear to close in as little as 7 days.
Program Details
| Loan Amount | $150,000 – $3,000,000+ |
| Term | 30 years |
| Credit Score | 660+ |
| Locations | Nationwide |
Get Your DSCR Loan Quotes
See your rate & terms with our 2-minute quote form
Frequently Asked Questions
What is DSCR?
DSCR stands for Debt Service Coverage Ratio. It's the ratio of rental income to mortgage payment. A DSCR of 1.0 or higher means the property generates enough income to cover the mortgage.
Can I qualify without W2s or tax returns?
Yes, DSCR loans qualify you based on the property's rental income, not your personal income or employment.
Can I close in an LLC?
Yes, DSCR loans allow you to close in an LLC or personal name, giving you flexibility in how you structure your investments.
Are cash-out refinances available?
Yes, you can do a cash-out refinance to unlock equity from your rental properties and use it to fund additional investments.
What property types are eligible?
DSCR loans are available for single-family homes, condos, and 1–8 unit properties.
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