DSCR Rental Loans — Cash-Flow Underwriting, No Personal Income Required
Qualify on the property's rental income, not yours.
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Instant rental loan estimate — no credit pull required
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Are You a Qualified DSCR Borrower?
Our DSCR rental loans are underwritten on the property's cash flow — not your W-2 or personal income. Ideal borrowers typically have a FICO score over 680, an active rental property or purchase contract, and experience as a real estate investor. LLC and entity borrowers welcome.
DSCR Rental Loan Programs
Purchase — Up to 80% LTV
Rate & Term Refinance — Up to 80% LTV
Cash-Out Refinance — Up to 75% LTV
Program Highlights
Our Streamlined Lending Process
Our DSCR rental loans are built for speed and transparency. Cash-flow–based underwriting, same-day term sheets, and a dedicated advisor from application through closing. No surprises. No black box approvals.
Step 1: Apply for Capital
Submit your application or request a term sheet. Term sheet generation: Same day.
Step 2: Underwrite & Structure
Our investor first approach guides thoughtful structuring from initial review through full underwriting.
Step 3: Close & Fund
We deliver a swift, transparent path to funding with clear communication at every step.
Frequently Asked Questions
We provide same-day term sheets upon receipt of a complete application. Our streamlined process ensures you get pricing fast so you can move on opportunities without delay.
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental property's income rather than the borrower's personal income. The DSCR is calculated by dividing the gross monthly rent by the total monthly payment (PITIA). A DSCR of 1.0x means rent covers the payment; 1.25x+ is considered strong.
Purchase and rate/term refinance loans go up to 80% LTV. Cash-out refinances are available up to 75% LTV. Higher credit scores and stronger DSCR ratios may unlock the best pricing at these leverage points.
No. DSCR loans are underwritten on the property's cash flow, not your personal income. There is no personal DTI calculation. You will not need to provide tax returns, W-2s, or pay stubs.
Yes. Our DSCR loans are LLC and entity-friendly. You can vest the property in your LLC, corporation, or trust. This is ideal for investors who want asset protection and clean portfolio separation.
We finance single-family residences, 2–4 unit properties, warrantable and non-warrantable condos, and 5–8 unit properties. The property must be an investment property — no owner-occupied or second homes.
We offer DSCR loans for borrowers with FICO scores starting at 660. Pricing is tiered — the higher your credit score, the better your rate. Scores of 740+ will receive the most competitive pricing.
Yes. We believe in full transparency — no hidden fees, no surprises. You'll see clear pricing from the term sheet through closing, so you can plan your deal economics with confidence.
We target 14-day closings for DSCR rental loans and work diligently to meet even tighter timelines when the deal requires it.
Absolutely. Every borrower is assigned a dedicated lending advisor who guides you from application through closing and beyond. You'll always have a direct line to someone who knows your deal.
We lend nationwide across the United States, with particular expertise in the Southeast and high-growth markets. Contact us to discuss your specific market.