DSCR Rental Loan Application
No Income Verification Rental Property Loan
No credit pull to quote · No obligation · DSCR specialists · NMLS #1826020
Why Choose a DSCR Loan?
DSCR rental loans remove the biggest obstacle between real estate investors and their next deal — personal income documentation.
No Income Verification
Qualify based on the property’s rental income — not your personal income. No W-2s, tax returns, or pay stubs required.
Up to 85% LTV
Finance up to 85% of the purchase price on acquisitions and refinances — one of the highest leverage options for investors.
Cash-Out up to 80% LTV
Access your property’s equity with cash-out refinancing up to 80% LTV and reinvest into new deals.
30 & 40-Year Terms
Maximize monthly cash flow with long-term amortization options, including interest-only payment structures.
Fast Close
Close faster with a streamlined DSCR process designed for competitive real estate markets.
LLC & Entity Vesting
Hold properties in an LLC, corporation, or trust for liability protection and long-term tax efficiency.
How the DSCR Loan Application Works
Four simple steps from application to funding
Submit Application
Complete a short form with your property and contact details. No SSN required to get started.
Receive Pricing
Get customized rates, LTV, and loan terms emailed directly. Speak with a specialist the same day.
Property Evaluation
We review DSCR using rental income vs. PITIA to confirm qualification — no personal income documents required.
Close & Fund
Close in your name or LLC and access funds quickly so you can continue growing your portfolio.
DSCR Rental Loan Program Terms
Eligible Property Types for DSCR Loans
DSCR financing is available across a wide range of income-producing property types, including residential, commercial, and mixed-use assets.
Single Family (1–4 Units)
SFRs, duplexes, triplexes, and fourplexes. Up to 85% LTV available on purchases.
Multifamily (5+ Units)
Apartment buildings with stable and predictable rental income streams.
Condo & Townhome
Warrantable and non-warrantable condos considered on a case-by-case basis.
Mixed-Use Properties
Properties combining residential and commercial units with diversified income.
Short-Term Rentals
Airbnb and vacation rentals qualified using market rent or actual STR income.
Portfolio Loans
Finance multiple properties under a single DSCR blanket loan structure.
Stabilized Commercial
Office, retail, and industrial properties with established lease income.
Hospitality & Healthcare
Hotels, assisted living, and medical offices evaluated based on income performance.
| 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 amortization with interest-only options available | ||
| Income Verification | None — qualification based on property rental income (DSCR) | ||
| Employment Verification | Not required | ||
| Entity Vesting | LLC, Corporation, or Trust — all accepted | ||
| Property Types | SFR (1–4 units), Multifamily (5+), Condo, Townhome, Mixed-Use, Portfolio | ||
| Loan Size | $75,000 – $5,000,000+ (contact for larger portfolios) | ||
| Close Speed | Fast closings available — significantly quicker than conventional loans | ||
Complete Guide to DSCR Loans for Real Estate Investors
What Is a DSCR Rental Loan?
A DSCR rental loan (Debt Service Coverage Ratio loan) is a type of investment property financing where qualification is based on the property’s rental income — not your personal income.
Instead of reviewing W-2s, tax returns, or pay stubs, lenders evaluate the property’s DSCR — the ratio of rental income to total monthly debt obligations (principal, interest, taxes, insurance, and HOA dues — PITIA).
Example: If a property generates $3,000/month in rent and the total monthly payment is $2,500, the DSCR is 1.20 — indicating strong cash flow and a solid qualifying profile.
A DSCR of 1.0 means the property generates enough income to cover its debt. Most lenders prefer a DSCR of 1.0 or higher.
Who Benefits Most from a DSCR Loan?
DSCR loans are ideal for:
- Self-employed investors whose tax returns understate actual income
- Portfolio builders who have reached conventional loan limits
- High-net-worth individuals who prefer not to disclose personal income
- Foreign nationals investing in U.S. rental properties
- LLC and entity buyers structuring real estate as a business
Cambridge Home Loan is recognized as a #1 DSCR lender in the U.S., offering financing in all 50 states with up to 85% LTV on purchases, flexible 30- and 40-year terms, and no employment verification — helping investors scale their rental portfolios faster.
DSCR Loan Programs by State
Ready to Fund Your Next Rental Property?
Apply online in minutes. No income documentation. No employment verification. Fast closings available nationwide.
Benefits of DSCR Rental Loans
DSCR loans are designed specifically for real estate investors looking to scale their portfolios quickly without the limitations of traditional income-based financing.
- No personal income verification — qualify based on property cash flow, not W-2s or tax returns
- High leverage options — up to 85% LTV on purchases and 80% on cash-out refinances
- Maximize cash flow with 30- and 40-year terms, including interest-only payment options
- Fast closings — streamlined process built for competitive real estate markets
- No employment verification required
- Entity-friendly financing — close in an LLC, corporation, or trust
- Flexible property types — supports long-term, short-term, and mixed-use investments
DSCR Loan FAQs
DSCR (Debt Service Coverage Ratio) loans are a type of commercial financing commonly used for income-producing properties. Here's all you need to know about DSCR loans and their benefits, along with eligible property types:
Definition of DSCR Loans: DSCR loans are commercial loans where the lender evaluates the property's ability to generate income to cover the loan payments. The primary focus is on the property's cash flow rather than the borrower's personal income or credit history.
Benefits of DSCR Loans
- High Loan-to-Value (LTV) Ratio: DSCR loans typically offer higher LTV ratios compared to traditional commercial loans. CambridgeHomeLoan.com, recognized as the #1 DSCR Lender in the US, offers up to 85% Loan-to-Value for purchases and refinancing, and 80% for cash-out refinancing, enabling borrowers to leverage their investments more effectively.
- Flexible Eligibility Criteria: DSCR loans consider the property's income potential rather than solely relying on the borrower's financial situation. This makes them accessible to a wider range of investors and property types.
- Stable Cash Flow: Since DSCR loans rely on the property's income to cover debt payments, they are suitable for income-producing properties with stable cash flows, such as multifamily residential buildings, office buildings, retail centers, and industrial properties.
- Longer Loan Terms: DSCR loans often come with longer loan terms, providing borrowers with greater stability and predictability in their financing.
- Potential Tax Benefits: Interest payments on DSCR loans may be tax-deductible, providing potential tax benefits for borrowers.
Eligible Property Types
- Single Family Properties: Single family include 1-4 unit residential properties. If already rented than a purchase with a DSCR Loan is the best recourse. DSCR loan purchases allow for up to 85% of the purchase price. Single Family refinance with CambridgeHomeLoan.com allow for 85% on rate and term loans and 80% cash out for cash out refinancing.
- Multifamily Residential: Apartment buildings and multifamily properties are commonly financed with DSCR loans due to their reliable rental income streams.
- Commercial Properties: Office buildings, retail centers, shopping malls, and industrial properties are eligible for DSCR financing, provided they generate sufficient income to cover debt service.
- Mixed-Use Properties: Properties with a combination of residential and commercial units can also qualify for DSCR loans.
- Hospitality and Healthcare: Hotels, motels, assisted living facilities, and medical office buildings may be eligible for DSCR financing, depending on their income-generating capacity.
CambridgeHomeLoan.com stands out as a premier provider of DSCR loans in the US, offering competitive terms and flexible financing solutions. To learn more about DSCR loans and explore financing options, visit CambridgeHomeLoan.com.
Explore DSCR Loans by State
Fix and Flip Bridge Loans
Up to 90% of the purchase price and 100% of rehab costs. Fast closings available.
Financing for ground-up construction, teardown, and rebuild projects. Get your investment property loan approved quickly with a streamlined process.
Start Fix & Flip Loan Application →FIX AND FLIP LOANS
Loans Custom Built for Real Estate Investors
Multi Family Loans /
Commercial Real Estate
-
-
- 1-50+ properties
-
- Multifamily, condos, student housing,
- mixed use w/ majority residential
-
- 12 to 24 months, 5, 10 year terms
-
- Up to 85% of cost
-
- $1M – $50M
- Bridge, Construction, Permanent
Fix And Flip Loans
- 1-500+ properties
- Single-family, 2-4 units, condos,
townhomes, multifamily
- Single-family, 2-4 units, condos,
- 12 To 24 month terms
- Up to 100% of cost
- Up to 100% of rehab
- Up to 75% of value
- $100,000 – $100 million
Fix To Rent Loans
- 1-500+ properties
- Single-family, 2-4 units, condos,
townhomes, multifamily
- Single-family, 2-4 units, condos,
- 5yr, 7, 10 and 30 year terms
- Up to 100% of cost
- Up to 100% of rehab
- Up to 75% of value
- $70,000 – $100 million
Home Loans Made Easy – Expert Advice
Fix & Flip Loan for Resale or Short-Term Rental: Which Way Should You Go?
Explore strategies investors use when deciding between flipping or renting properties.
Read More →DSCR Loans for Airbnb & Vacation Rentals
Learn how DSCR loans work for short-term rentals and vacation property investments.
Read More →Top 10 Tips for Taking an FHA Loan
Understand FHA loan requirements, benefits, and strategies for first-time buyers.
Read More →Top 10 Tips of DSCR Loans Explained
Get key insights into DSCR loans, qualifications, and investor advantages.
Read More →Cash-Out with DSCR Loans: A Complete Guide
Learn how to leverage equity using DSCR cash-out refinance strategies.
Read More →Fix and Flip Loans: The Capital Engine Behind Scalable Investing
Discover how fix and flip loans fuel growth in real estate investment portfolios.
Read More →Why DSCR Loans Are the Secret Weapon for Investors
Understand why DSCR loans are a powerful tool for scaling rental portfolios.
Read More →Bridge Loans for Investors: Fast Transitional Capital
Learn how bridge loans provide short-term funding for fast-moving deals.
Read More →How Smart Investors Scale Profits with Fix & Flip Loans
See how experienced investors maximize profits using fix and flip strategies.
Read More →