← All Loan Programs🏠 DSCR Rental

DSCR Rental Loans

Qualify on rental income — not your tax returns. Built for real estate investors.

Apply for This Loan

Overview

DSCR (Debt Service Coverage Ratio) loans are the fastest-growing residential investment product in the market. They qualify based on the property's rental income rather than the borrower's personal income or tax returns — making them ideal for self-employed investors, portfolio landlords, and anyone with complex income. Rates from 6.5%+ for qualifying properties.

  • No personal income verification — qualify on the property's rental income
  • Works for self-employed investors with complex tax returns
  • Scale your portfolio without hitting conventional loan limits

Loan Specifications

Min Amount

$75,000

Max Amount

$3,000,000+

Loan Term

5–30 years

Max LTV

Up to 80%

Amortization

30 years

Rate Type

Fixed or Floating (6.5%–9%+)

Eligibility Criteria

  • Non-owner occupied residential (1–4 units, condos, townhomes)
  • DSCR minimum 1.0x–1.25x (rental income must cover the payment)
  • Minimum 660 credit score
  • 20–25% down payment required
  • Property must be investment or rental purpose — not primary residence

Required Documents

Documents are uploaded through our encrypted secure portal, stored on Cloudflare R2 enterprise storage, and only accessible to your assigned broker via a private link. Never shared with third parties.

  • Current lease agreement or market rent schedule (appraisal-based)
  • Property appraisal with rent schedule
  • 3 months bank statements (reserves verification)
  • Entity formation documents (LLC preferred)
  • Personal financial statement
  • ID and background authorization

Frequently Asked Questions