Invest • Hold • Grow
DSCR Loan
DSCR loans from $75,000 to $3,000,000, starting at 6.50% on a 30-year fixed term, qualifying on the property’s rental income instead of your personal income.
$75K - $3M
Loan Amount
6.50%
Starting Rate
30 Years
Loan Term
80%
Max LTV
Overview
What is a DSCR Loan?
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to qualify for financing based on the property’s rental income rather than personal income. This means no tax returns, pay stubs, or W-2s required. The qualification is based on whether the property’s rental income covers the mortgage payment, making these loans ideal for self-employed investors, those with complex tax situations, or investors who want to scale quickly.
Talk it through
Not sure this is the right program?
Tell us the property and what you want to do with it. If this is not the fit, we will say so and point you at the one that is.
Eligible property types
What we can lend on.
- Single Family Homes
- Condos
- Townhomes
- 2-4 Unit Properties
- Warrantable Condos
- PUDs
Ideal for
Who this program is built for.
- Self-employed real estate investors
- Investors with complex tax returns
- Buy-and-hold investors building long-term wealth
- Investors with multiple rental properties
- Foreign nationals investing in U.S. real estate
- Investors who want to scale quickly without income documentation
Lending guidelines
The numbers behind it.
These are the guideline lines we work from. A file is read as a whole, so if something here looks close rather than clean, call and ask.
- Loan Amount
- $75,000 - $3,000,000
- Minimum FICO
- 660+
- Purchase LTV
- Up to 80%
- Rate/Term Refi LTV
- Up to 80%
- Cash Out Refi LTV
- Up to 75%
- Minimum DSCR
- 1.05x
- Loan Term
- 30-Year Fixed
- Interest Rate
- Starting at 6.50%
- Prepayment Penalty
- 3-2-1 or 5-4-3-2-1
Where to next
Holding more than one door?
If the properties are already yours and you want them under one loan and one payment, the rental portfolio program is the one to read.