DSCR Rental Loans, Qualified by the Property.
Rental property financing that qualifies on the asset's cash flow, not your tax returns — up to 80% LTV on purchase and rate/term and up to 75% on cash-out refinance. Long-term and short-term rentals, from $100K to $5 million, nationwide.
- up to 0%
- Purchase & Rate/Term LTV
- up to 0%
- Cash-Out Refinance LTV
- $100K–$5M
- Loan Amounts
- 1–4 & 5+
- Unit Residential Properties
Leverage and terms vary by borrower credit, investor experience, property type, project details, appraisal, and lender underwriting. Subject to approval and applicable lender guidelines.
The Property Qualifies. Not Your Paystub.
Traditional financing was never built for investors — tax strategies, multiple entities, and growing portfolios confuse conventional underwriting. DSCR lending solves that. We arrange debt-service coverage financing for non-owner-occupied rental properties, where the property's rental income does the qualifying.
Whether you are purchasing your next rental, refinancing out of a hard-money loan, or pulling equity from a stabilized asset, your file is sized on the numbers that matter: rent, coverage, credit, and appraisal. Long-term leases and short-term rental income can both be considered, subject to lender guidelines.
From first submission through underwriting, appraisal, title, and closing, our team manages the transaction hands-on and keeps you clearly informed — so your portfolio keeps growing.
DSCR Loan FAQMade for the People Who Hold.
Available to qualified rental investors and landlords — structured around the property in front of you.
From Rent Roll to Closing Table.
One team, actively involved at every stage — so your rental closes on schedule.
- Step I
Property Review
We review the rent, expenses, coverage, and your credit profile.
- Step II
Loan Structuring
Your file is sized on DSCR, leverage, and the strongest available terms.
- Step III
Lender Submission
Your file is packaged and submitted to the right DSCR lender.
- Step IV
Underwriting & Appraisal
We manage conditions, appraisal, and title — keeping you informed.
- Step V
Close & Collect Rent
Transaction managed through funding, so cash flow starts on day one.
Coverage. Credit. Appraisal. Position.
Loan amounts, leverage, and terms are shaped by the property’s debt-service coverage, your credit profile, investor experience, property type, appraisal, and lender underwriting — we structure your file to present each one at its strongest.
DSCR Rental Loan FAQ.
Straight answers about debt-service coverage financing. Have a property-specific question? Call us — a conversation costs nothing.
Call 220-465-0137A business-purpose investment property loan that qualifies on the property’s rental income and debt-service coverage ratio — not your personal income. We arrange DSCR programs for non-owner-occupied 1–4 unit and 5+ unit residential properties, nationwide.
DSCR compares the property’s gross rental income to its total monthly debt service (principal, interest, taxes, insurance, and any association dues). A DSCR of 1.0 means rent covers the payment exactly; higher ratios generally support stronger pricing and leverage.
DSCR programs are designed around the property’s cash flow rather than personal income documentation. Lenders still verify credit, assets, and experience, but traditional income documents like tax returns are typically not the basis of qualification.
From $100,000 to $5 million — with leverage up to 80% for purchase and rate/term transactions and up to 75% for cash-out refinances. Final sizing depends on credit, DSCR, property type, appraisal, and lender underwriting.
Many lenders in our network offer DSCR options for short-term and vacation rentals, with income supported by market rent or documented rental history. Eligibility and terms vary by lender, market, and property — we match your file to the right program.
No — as a brokerage and third-party originator, we are not a direct lender. Rates, terms, approvals, and funding decisions are determined by the applicable lender, subject to underwriting and verification, and may change without notice. We present your options clearly before you commit.
Start a pre-qualification or call 220-465-0137. We review the property’s numbers, structure the file, submit it to the right DSCR lender, and manage everything hands-on through closing.
Your Next Rental Starts With One Call.
Tell us about the property, the rent, and the plan. We’ll structure the rest — and stay at the table until you close.