Why Choose a DSCR Rental Loan
Built for Real Estate Investors Who Think at Scale
DSCR rental loans remove the biggest obstacle between investors and their next deal — personal income documentation.
No Income Verification
Qualify based on the property's rental income vs. debt obligations. No W-2s, no tax returns, no pay stubs required from you personally.
Up to 85% LTV
Finance up to 85% of purchase price or appraised value on purchases and rate/term refinances — one of the highest LTVs available for investment properties.
Cash-Out to 80% LTV
Access your equity with cash-out refinancing up to 80% LTV. Deploy capital into new acquisitions, rehabs, or portfolio growth.
30 & 40-Year Terms
Maximize monthly cash flow with 30 and 40-year amortizing terms, including interest-only payment options that keep operating costs low.
Fast Close
Move quickly on competitive deals. Our streamlined DSCR process closes far faster than conventional investment property financing.
LLC & Entity Vesting
Hold properties in an LLC or other entity for asset protection and tax planning — fully supported with no additional friction.
Simple Process
How the DSCR Rental Loan Application Works
Four steps from application to funded. We handle the complexity so you focus on deals.
Submit Application
Complete the short form with property and contact details. No SSN required to start.
Receive Pricing
Get customized rate, LTV, and term options emailed directly. Speak with a specialist same-day.
Property Evaluation
We assess the DSCR — rental income ÷ PITIA — to confirm qualification. No personal income docs needed.
Fast Close & Fund
Close in your name or LLC. Your rental portfolio grows — your momentum continues.
No personal income required Qualify using rental property cash flow Loans for LLCs & investor Close in as little as 2–3 weeks
Loan Parameters
DSCR Rental Loan Program Terms
| Parameter | Purchase | Rate & Term Refi | Cash-Out Refi |
|---|---|---|---|
| Max LTV | Up to 85% | Up to 85% | Up to 80% |
| Loan Terms | 30-year & 40-year amortizing; interest-only options available | ||
| Income Verification | None — qualifies on property rental income (DSCR ratio) | ||
| Employment Verification | Not required | ||
| Entity Vesting | LLC, Corporation, Trust — all accepted | ||
| Property Types | SFR 1–4 units, 5+ Multifamily, Condo, Townhome, Mixed-Use, Portfolio | ||
| Loan Size | $75,000 – $5,000,000+ (contact for larger portfolios) | ||
| Close Speed | Fast close available — significantly faster than conventional | ||