DSCR Loans Built for Real Estate Investors
Qualify with rental income. No tax returns. No income ratio.
LTV
80%
RATE
5.5%
CLOSING
10-21 Days
TERMS
30yr Fixed, ARM, I/O
$100K - $5M
LOAN AMOUNTS
Apply Now
What Is A DSCR Loan?
A DSCR loan qualifies borrowers based on the property’s Debt Service Coverage Ratio rather than personal income.
If the rental income supports the mortgage payment, you can qualify.
This makes DSCR financing ideal for:
- Self-employed investors
- Portfolio landlords
- First-time investors
- Borrowers looking to scale without DTI constraints
Designed for Growth
Investor-Focused Lending
We understand rental property investing. Our underwriting is built around rental income performance, not W2s or tax returns.
Flexible Structures
Choose between:
- 30-Year Fixed
- Interest-Only Options
- Blanket Loan Structures for Multiple Properties
Fast Closings
Time kills deals. Our process allows for closings in as little as 10 to 21 days so you can compete with confidence.
Scalable Capital
From a single SFR to a multi-property portfolio, our DSCR program supports investors at every stage.
Are We a Good Fit?
Our DSCR program is structured to be straightforward and investor-friendly.
Minimum Credit Score
680
Reserves
3 months requiredProperty Types
SFR, Condo, Townhome, 1–4 Units
Seasoning
6-month seasoning required on refinancesPrepayment Penalty
OptionalDown Payment
20% minimum
Experience
First-time investorsOccupancy
Non-Owner-Occupied OnlyLoan Amount
$100K minimumUp to $5M maximum
Appraisal
RequiredHow It
Works
Submit Property & Scenario
Provide basic details on the subject property and projected rental income.
Receive Terms
We structure your loan based on DSCR performance and credit profile.
Close & Fund
Appraisal completed. Loan documents signed. Capital deployed.
Why Investors Choose
Asteris Lending
This is financing built for operators, not hobbyists.
- First-time investor friendly
- Qualify using rental income
- No personal income verification
- Competitive 5.5% starting rates*
- Up to 80% LTV
- Loan amounts up to $5M
- Interest-only options available
- Blanket loans available
- Reliable 10–21 day closing timeline
Product Type
DSCR
Experience Required:
First Time Investor OK
Minimum Credit Score:
680
Liquidity:
20% Down
Reserves:
3mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 21 Days
Draw Schedule:
N/A
Rate:
5.5%
Loan-to-Value LTV:
80%
Loan-to-Cost (LTC):
N/A
Loan Term:
30yr Fixed, ARM, I/O
Asset Types:
SFR, Condo, Townhome, 1–4 Units
Loan Amount Min:
$100k
Loan Amount Max:
$5M
Product Specifics:
Non-Owner-Occupied, 6 Mo. Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 4 Units
States We
Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
Give us a call to see what we can do for you.
Frequently Asked Questions
Can I qualify as a first-time investor?
Yes. Prior rental experience is not required.
Do I need to provide tax returns?
No. Qualification is based on the property’s rental income.
Can I refinance an existing rental?
Yes. A 6-month seasoning requirement applies.
Are short-term rentals eligible?
Eligibility depends on documentation and property profile.
Is there a prepayment penalty?
Optional structures are available.
Grow Your Rental Portfolio
with Asteris Lending
Access up to 80% LTV with competitive rates and investor-driven underwriting.
Submit your DSCR scenario today and receive terms tailored to your property.