DSCR / rental financing
DSCR Loans & Rental Property Financing
Qualify based on what the property earns — not what you make.
Why DSCR
Income shouldn't cap your portfolio.
The most common reason real estate investors get turned down for rental property financing is personal income. Conventional lenders require W-2s, tax returns, and low debt-to-income ratios — requirements that most active investors can't meet once their portfolio starts to grow.
DSCR loans solve this. Instead of qualifying you, lenders qualify the property. If the rent covers the mortgage, you're eligible — regardless of how many properties you own, how you file your taxes, or whether you take a salary.
This is how serious investors scale from 3 properties to 30.
Program terms
What these loans look like
Minimum DSCR
1.0x (some lenders go below)
LTV
Up to 80% purchase / 75% cash-out refi
Interest Rates
Contact us for current rates
Credit Score
620+ (720+ for best rates)
Close In
15–25 days
LLC Eligible
Yes
Income Docs Required
No
Displayed ranges reflect typical lending-partner programs and are provided for general informational purposes only. They are not an offer of credit or commitment to lend. Final terms depend on the borrower, property, loan purpose, lender underwriting, verification, and current program availability. Last reviewed 2026-08-28.
FAQs
DSCR questions
Ready to qualify on the property, not the paystub?
Send us the address and the rent. We'll bring your deal to our network of DSCR lenders and come back with real terms — no tax returns, no hard credit pull.