Loan program

DSCR Rental Loans

Long-term financing for 1 to 8 unit rental properties, qualified on the property's rent, not your tax returns.

Get a quote(469) 778-3447

What we arrange

  • Purchase, rate-and-term and cash-out refinance
  • 1 to 8 units, short-term rentals considered
  • No personal income or tax returns; qualified on the property's cash flow
  • Close in an LLC or your own name
  • Typical leverage up to 80% on purchases, 75% on cash-out, subject to the lender

Every lender sets its own guidelines. The numbers above are typical of the lenders we work with, not a promise. Tell us your deal and we will come back with quotes from the ones that fit.

Get quotes on a dscr rental loans deal

Send the property, loan amount and timeline. Quotes in one to two business days. No credit pull to see terms.

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Questions

What DSCR do lenders want?

Most want 1.0 or better, meaning rent covers the full payment. Some go lower with more equity. We shop your deal to lenders whose box fits it.

Can I close in an LLC?

Yes. Most DSCR lenders prefer it. We will tell you which ones require it.

Does a DSCR loan show on my personal credit?

Usually not when closed in an entity, though lenders pull credit to qualify the guarantor.