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Real Estate Investors

Qualify on the rent, not your personal income.

DSCR loans are long-term rental property loans approved on the property's cash flow: the rent compared to the monthly payment. Buy or refinance rentals, take cash out, and close in your LLC.

Check my DSCR →Call (321) 294-0413
Debt service coverage ratio underwriting
Long-term fixed and adjustable options
Purchase, refinance and cash-out
1 to 4 units and small multifamily

How it works

The property qualifies itself

01

Share the property

Address, value, rent or lease, and the current loan if you are refinancing.

02

Run the ratio

Monthly rent divided by the full monthly payment: principal, interest, taxes, insurance and HOA.

03

Close

Appraisal with a rent schedule, title and closing.

Is it a fit?

Made for rental investors

Good fit if

  • Rental property investors
  • Self-employed investors whose tax returns understate income
  • Refinancing a finished flip into a long-term hold
  • Growing a portfolio in an LLC

What you will need

  • Government-issued photo ID
  • Lease agreements or a market rent estimate
  • Last 2 months of bank statements for reserves
  • For refinances: mortgage statement, insurance declarations and deed
  • Entity documents if closing in an LLC

Send documents as PDFs. Your funding specialist will tell you if anything else is needed.

Common uses

Buy a rentalCash-out refinanceRefinance a flipShort-term rentals (program dependent)Portfolio growth

Get Your Quote

Get terms on your deal

Share the basics. We match the deal to the right program and lender and come back with terms.

  • Business-purpose investment property only
  • Close in your LLC
  • Clear terms before you commit

Prefer to talk? Call (321) 294-0413.

Questions

DSCR Rental Loans questions

What is DSCR?

Debt service coverage ratio: monthly rent divided by the monthly payment including taxes, insurance and HOA. A ratio of 1.0 means the rent covers the payment.

Do you need my tax returns?

Most DSCR programs do not verify personal income. Credit, reserves and the property's cash flow drive the approval.

Can I use short-term rental income?

Some programs accept short-term rental income with supporting history. Ask us about your property.

Can I use a DSCR loan for my home?

No. DSCR loans are for investment properties only.

Related programs

Other ways to fund

Fix & Flip Loans

Purchase plus renovation funding sized to the after-repair value, with rehab draws as the work gets done.

Learn more →

Commercial Real Estate

Multifamily, mixed-use, retail, office and industrial, matched to the right lender for the asset.

Learn more →

Bridge & Investor Loans

Short-term bridge capital and investor programs to close fast and move on to the next deal.

Learn more →

Ready to move your business forward?

Apply today and get a decision fast. A real answer when you call, and clear terms before you sign.

Apply for funding →Call (321) 294-0413
Call nowGet a quote