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DSCR Rental Loans

FINANCING FOR RENTAL PROPERTIES

We offer reliable long-term (30-year and 40-year) loan terms for rental properties. We also offer 5-year and 7-year Adjustable Rate Mortgage Loans for DSCR rental loans.

 

Use DSCR loans to purchase or refinance a rental property, get cash-out of a rental property, or even consolidate all your rentals into one simple loan with our Portfolio DSCR Rental Loans.​​

What are DSCR Rental Loans and why do Investors Choose them?

DSCR Rental Loans are Debt Service Coverage Ratio Loans that don't require any proof of personal or business income from the borrower to qualify.

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These loans simply calculate the rental income of the property itself compared to the mortgage payment.

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Even if the property is not currently rented, we use the market rent to calculate the DSCR Ratio.

DSCR measures a property's ability to pay for itself when its rented.

Features of DSCR Loans

  • No Income or Job Verification Required

  • No W-2, No Tax Returns, No Pay Stubs

  • Based on cash flow of rental property

  • Easier to qualify for than traditional mortgages

  • No limit on how many many times you use a DSCR loan 

  • ​Loan Amount: $150k - $2MM

  • LTV up to 80% on Purchase or Rate & Term Refinance

  • ​LTV up to 75% on Cash-Out Refinance

  • No Prior Experience Required

*DSCR rates are based on loan terms, borrower qualifications, LTV, and property factors and are subject to change. Non owner-occupied rental properties only. 

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