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Long-Term DSCR Rental Loans for Real Estate Investors

Qualify based on property cash flow – not your personal income.

Get Your Rate Quote
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No Tax Returns

Qualify based on property cash flow

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Cash Flow Based

Property rental income is key

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30-Year Terms

Fixed or ARM options available

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Fast Closings

Close in as little as 2-3 weeks

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All Property Types

SFR, 2-4 units, condos, STRs

How DSCR Loans Work

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Step 1: Submit Property Info

Send us the property address and estimated rent for a quick review.

Step 2: Approve Based on DSCR

We qualify your loan based on the property's cash flow, not your W2.

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Step 3: Fund & Grow Your Portfolio

Close quickly and add another cash-flowing asset to your portfolio.

DSCR Loan Program Details

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Loan Amounts
$100K - $3M+
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Maximum LTV
Up to 80%
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Minimum DSCR
Down to 0.75
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Minimum Credit
620+
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Terms
30-year fixed, ARM, I/O
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Eligible Properties
SFR, 2-4 units, STRs
Use of Funds
Purchase, Refinance
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Ownership
LLC, Corp, or Individual

Who Qualifies for a DSCR Loan?

U.S. or foreign national investors
Property is rent-ready or currently leased
No employment or personal income verification needed
LLC, Corporation, or individual ownership
Flexible for new and experienced investors
Properties in primary or secondary markets

Recent Success Story

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"I scaled up my rental portfolio with DSCR loans and finally left the 9-5. The process was much simpler than dealing with my bank."

Chris T., Lakewood, CA

4-unit in Riverside – funded $750,000 in under three weeks with no tax returns required.

DSCR Loan FAQs

Tools & Resources

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DSCR Calculator

Use our free calculator to find your property's DSCR instantly.

Calculate DSCR
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DSCR Loans Explained

Download our guide on what every real estate investor needs to know.

Download PDF Guide
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How to Qualify

Watch our video on how to qualify for a rental property DSCR loan.

Watch Video

Ready to Scale Your Portfolio?

Get pre-qualified for a DSCR loan and grow your rental business with a lender who understands real estate investing.

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