Rental Loan Programs Others Don’t Offer—Tailored for Your Investment Success.
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a type of real estate investment loan that evaluates the borrower's ability to repay the loan using Rental Income rather than their personal income.
We do not require typical documents like Tax Returns, W2's or even Debt-to-Income Ratio's. For the best terms, we prefer the rental income to cover your mortgage payment and strong credit. However, we understand that's not always the case. The good news? We offer a wide range of loan products for all investors—whether your property generates high or low cash flow or your credit score is at the top or on the lower end. Our goal is to provide a financing solution that works for you.
Short & Long Term Rentals
Looking to finance your rental property? Whether you’re purchasing or refinancing an Airbnb or a long-term rental, we’ve got you covered. Our flexible terms and competitive rates make securing funding simple, so you can focus on growing your investment portfolio—no matter your situation.
Program Highlights
-
Up to 85% LTV on SFR purchases
-
Up to 80% LTV on rate/term refi
-
Up to 75% LTV cash-out
-
1-10 unit residential, mixed-use and commercial properties
-
No pre-payment penalty options available
-
Loans from $50k to $3M
-
We welcome First Time Investors
-
No Minimum DSCR
-
No Minimum FICO
Have a scenario or want to learn more?
