Financing Program
DSCR Loans for Rental Properties
DSCR rental loans qualify based on the property's income — not the borrower's personal tax returns. Ideal for investors with multiple properties or complex income structures who need a straightforward path to long-term financing.
Loan Range
$100,000 – $5,000,000
Term Range
30 years (fixed/ARM)
Structure
DSCR-based financing for long-term rental portfolios
What It's Used For
Common Use Cases
Acquire long-term buy-and-hold rental properties
Refinance existing rental portfolio debt
Cash-out equity from stabilized rentals
Transition a completed flip to a long-term rental
Build a scalable portfolio without W-2 income requirements
Program Details
Key Features
Qualification based on debt service coverage ratio (DSCR)
No personal income or tax return verification required
Loan amounts from $100K to $5M+
30-year fixed, ARM, and interest-only options
Single-family, 2–4 unit, and small multi-family eligible
Available for purchase, rate/term refinance, and cash-out
How It Works
How This Financing Is Structured
DSCR loans underwrite the property's rental income rather than the borrower's personal income. The debt service coverage ratio — net operating income divided by total debt service — must typically exceed 1.20x. These are long-term, fully amortizing loans structured like conventional mortgages.
Fit Assessment
Is This the Right Program?
✓ This program IS a good fit when:
- →Investors building long-term rental portfolios
- →Properties with stable, documentable rental income
- →Investors who prefer asset-based underwriting
- →Landlords refinancing existing rental debt
✗ This program is NOT the right fit when:
- ✗Properties that are vacant with no lease in place
- ✗Owner-occupied properties — not investor programs
- ✗Borrowers needing fast close with no documentation
- ✗Properties with below-market or subsidized rents
Common Questions
Frequently Asked Questions
Keep Exploring
Related Programs
Lines of Credit & Term Loans
Flexible working capital structured around your cash flow
Learn more →Commercial Real Estate Loans
Acquisition, refinance, and construction for income-producing properties
Learn more →SBA 7(a) & 504 Loans & Rates
Government-backed financing for owner-operated businesses
Learn more →From the Insights Library
Related Reading
Ready to Move Forward
Qualify Your Rental
No cost. No obligation. A direct conversation about whether this program fits your deal.