DSCR Loans Built for Real Estate Investors
Our DSCR loans are designed for investors who want a simple, flexible way to finance both long-term and short-term rental properties. This program gives you access to long-term funding for single-family homes, multi-family buildings, commercial properties, and rental portfolios. DSCR loans are one of the strongest tools for building long-term wealth through real estate, and our goal is to help you reach financial freedom with flexible private financing.
What Is a DSCR Loan?
DSCR stands for Debt Service Coverage Ratio — basically, it measures how well a property’s rental income covers its mortgage payment. Instead of looking at your personal income or DTI, DSCR loans qualify the property based on the rent it produces.
These loans are perfect for buy-and-hold investors, with options for 30-year and 40-year amortizations.
Single Property Rental Loan Terms
Recourse
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Full recourse only
Rate Options
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Fixed and adjustable rates available
Investor Experience
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No experience needed
Loan Purpose
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Purchase
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Rate-term refinance
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Cash-out refinance
Minimum Credit Score
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660
Amortization Options
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Fully amortizing
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Partial interest-only available
Borrower Type
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Entity required (LLC, etc.)
Eligible Property Types
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Single-family homes
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2–4 unit properties
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Warrantable condos
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Townhomes
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PUDs
Vacancy Rules
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Vacant purchases are allowed
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For 2–4 units on refinance: max one vacant unit
Rural Properties
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Not allowed
Foreign Nationals
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Up to 65% LTV
Lease Requirements
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Leased units: lower of in-place rent or market rent
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Unleased units: 90% of market rent
Max Loan-to-Cost
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If owned less than 3 months: up to 80% of total cost basis
Loan Amounts
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Minimum: $75,000
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Maximum: $5,000,000
Maximum LTV
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Up to 80% for purchase or rate-term
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Up to 75% for cash-out
Property Requirements
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One property per loan
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Up to 4 units max
Minimum DSCR
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1.05x (Gross Rent ÷ PITIA)
Seasoning (Value vs. Cost Basis)
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90 days
Term
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30 years