DSCR Rental Loans

What This Program Is

DSCR Rental Loans are designed for investors who want to qualify primarily based on the income produced by the property rather than tax returns, W-2s, or traditional debt-to-income calculations.

Best For

Investors purchasing 1–4 unit rental properties
Borrowers refinancing existing rentals
Portfolio growth and long-term hold strategies
Self-employed borrowers seeking streamlined qualification

Program Highlights

Property Types: Single-family rentals, 2–4 unit properties, condos, townhomes, and select warrantable/non-warrantable scenarios depending on lender guidelines
Use Cases: Purchase, refinance, rate-and-term refinance, and cash-out refinance
Qualification Focus: Property cash flow and DSCR strength
Occupancy: Non-owner-occupied investment properties only
Timeline: Often faster than conventional investor financing when file quality is strong

Common Documents Requested

Loan application
Entity documents if vesting in LLC or corporation
Purchase contract or mortgage statement
Rent schedule or lease agreement when applicable
Insurance information and asset documentation as required

Get a Quick Quote

First Name *

Last Name *

Email *

Home Phone *

Loan Amount *

Property Value *

Loan Type *

Credit Score *

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