DSCR loans
Qualify on the property's cash flow — not your tax returns. Long-term, short-term, and mid-term rental financing for portfolio-builders.
DSCR Features
- 01No personal income requirement
- 0230-year fixed rate!
- 03Up to 80% LTV
- 041–9 unit property (non-owner occupied)
- 05Loans starting at $50,000 up to $2M
How DSCR works.
Debt Service Coverage Ratio (DSCR) loans are designed specifically for real estate investors purchasing or refinancing long-term, short-term, and mid-term rental properties. Qualification is based primarily on the property's cash flow and its ability to generate enough income to cover the monthly principal, interest, taxes, and insurance (PITI).
Unlike traditional bank financing, DSCR loans typically do not require W-2s, pay stubs, or tax returns, making them a flexible and streamlined solution for investors looking to grow their portfolio. Whether you're financing a long-term rental, a short-term vacation rental like Airbnb or VRBO, or a mid-term rental property, we've got you covered.
What you'll need to apply.
A short checklist to get your file moving. We'll let you know if anything additional is needed for your specific scenario.
General documents
- Valid government-issued photo ID
- 2 months most recent bank statements
- Entity documents: articles of incorporation, operating agreement, EIN letter, state certificate of good standing
- Insurance declaration page
If you're buying
- Signed purchase agreement
- Subject property lease (if tenant-occupied)
- Purchase agreement addendum and counter offers, if applicable
If you're refinancing
- Mortgage payoff request
- Subject property lease agreement
Ready to fund your next deal?
Submit a scenario or speak with an advisor — we'll have eyes on your deal within the hour.
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