Find out updated rates and new programs!
Rental DSCR Loans
Qualify based on the property’s income, not personal DTI. Ideal for long‑term rental investors and BRRRR exits.
Current as of September 7, 2025
Terms shown are typical program targets and may vary by market, experience, and underwriting.
Benefits to Borrowers
No Income Docs
Qualification focuses on property cash flow (DSCR), not personal DTI.
30‑Year Fixed
Long‑term stability with fixed or ARM options.
Cash‑Out Friendly
Access equity for your next acquisition or rehab.
Short‑Term Rental Options
Airbnb/STR eligible on a case‑by‑case basis.
Title‑Holding Flexibility
Borrow in LLCs or individuals (subject to program).
No Junk Fees
Transparent pricing with no surprise add‑ons.
Frequently Asked Questions
Answers to common Rental DSCR questions. Terms may vary by market and credit profile.
What is DSCR?
Debt Service Coverage Ratio compares the property’s monthly rent to its monthly PITI. A DSCR ≥ 1.10x typically indicates the property covers its debt service.
Are short‑term rentals eligible?
Yes, subject to market, occupancy assumptions, and underwriting. Additional reserves or pricing may apply.
Is there a prepayment penalty?
Most DSCR loans include step‑down prepay options (e.g., 5‑4‑3‑2‑1). Buyouts may be available.
What documents are needed?
Typically lease/rent schedule (or market rent), appraisal, entities docs (if applicable), and standard KYC. Bank statements and reserves are often required.
Do you offer I/O periods?
Interest‑only periods may be available on certain products, subject to LTV/DSCR and pricing.
Can first‑time investors qualify?
Yes, with compensating factors (strong credit, reserves, or property performance). Experience can improve pricing.
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