DSCR rental loans
DSCR loans for rental investors.
Long-term financing for investment properties that qualifies on the rent the property earns, not your tax returns.
Qualify on cash flow
Approval based on the property's debt service coverage ratio rather than personal income.
Loan purposes
Purchases, rate-and-term refinances, and cash-out refinances.
Property types
1–4 unit rentals, small multifamily, and short-term rentals with select lenders.
Terms
30-year fixed and adjustable options; leverage depends on DSCR, credit, and lender.
What lenders typically ask for
- —Purchase contract or current mortgage statement
- —Leases or market rent estimate
- —Credit authorization
- —Entity documents and ID
- —Bank statements for reserves
- —Insurance information
Terms shown are typical ranges, not a commitment to lend. Actual leverage, rate, and structure are lender- and deal-specific.