Long-term rental financing based on property cash flow—not personal income.
A DSCR (Debt Service Coverage Ratio) loan is a rental property financing solution that qualifies borrowers based on the property's ability to generate rental income to cover the loan payments—not based on personal income, tax returns, or W-2s.
This makes DSCR loans ideal for real estate investors who want to build their portfolio without the traditional income verification requirements. Whether you're a first-time investor or an experienced real estate professional, DSCR loans provide flexibility to grow your rental property portfolio.
Terms sourced from multiple private lenders. Final rates and terms are determined by the lender.
5.00% - 7.00%
Starting at 5.00%
$75K - $2M
Flexible loan sizes
Up to 80%
Purchase or refinance
30 years
30-year amortization
Minimum 680
Varies by credit tier
Minimum 1.00
Varies by credit score
5, 7, or 10 years
Available upon request
0-5 years
Borrower choice
See how a DSCR loan works with a real-world example
Key advantages that make DSCR loans ideal for rental property investors
We work with various property types to meet your investment goals
Fast and efficient process from prequalification to closing
Get a quick rate estimate or check if your deal is finance-ready.