DSCR Rental Loans from 5.875%

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the investment property rather than personal income. If the property's rental income covers the monthly mortgage payment, you can qualify — no tax returns, W-2s, or employment verification needed.

Our DSCR loans are available up to 80% loan-to-value on purchase and rate-and-term refinance transactions. Cash-out refinance is available up to 75% LTV. Maximum leverage depends on credit score, DSCR, and property type.

The minimum credit score for our DSCR loan program is 680. Borrowers with higher credit scores may qualify for better rates and higher leverage. We evaluate the full picture when making lending decisions.

Our minimum DSCR is 1.00x, calculated on the full PITIA (principal, interest, taxes, insurance, and association dues). Most lenders require 1.20x or higher, giving our borrowers a significant advantage on tighter cash flow properties.

Yes, interest-only options are available for up to 10 years on qualifying DSCR loans. This can significantly improve your cash flow during the initial hold period while you build equity through appreciation and rent growth.

Portfolio SFR loans allow you to bundle multiple single-family rental properties under a single loan. This simplifies management, reduces closing costs per property, and can unlock better pricing for investors scaling their rental portfolios.

Yes, we lend nationwide across all 50 states. Whether your rental property is in Texas, Florida, Ohio, or California, we can provide DSCR financing with consistent terms and a streamlined process.

DSCR loan rates are based on credit score, LTV, DSCR ratio, and property type. Stronger credit, lower leverage, and higher cash flow coverage generally result in better rates. Try our DSCR calculator to see your estimated rate and payment.