Qualify on Rent,
Not Your W-2
DSCR loans let you qualify based on the property's rental income — no personal income verification, no tax returns, no employer letters.
DSCR Program Highlights
Built for real estate investors who want to scale their portfolio without the paperwork headaches.
No Income Verification
Qualify based on the property's rental income (DSCR ratio), not your personal W-2s or tax returns.
Unlimited Properties
No cap on the number of financed properties. Scale your portfolio as fast as you want.
LLC / Entity Vesting
Close in your LLC, Corp, or Trust name — ideal for asset protection and portfolio management.
Cash-Out Available
Access equity in your existing rentals to fund your next acquisition. Up to 75% LTV cash-out.
Interest-Only Options
Maximize cash flow with interest-only payment periods. Available on select programs.
Fast Closings
Streamlined process with dedicated investor-focused underwriting. Close in as fast as 21 days.
Current DSCR Rate Guide
Rates vary by DSCR ratio, LTV, credit score, and property type. Below are representative ranges.
| DSCR Ratio | LTV | Rate Range | Term |
|---|---|---|---|
| 1.25+ | Up to 80% | 6.75% – 7.50% | 30-Year Fixed |
| 1.10 – 1.24 | Up to 75% | 7.25% – 8.00% | 30-Year Fixed |
| 1.00 – 1.09 | Up to 70% | 7.75% – 8.50% | 30-Year Fixed |
| 0.75 – 0.99 | Up to 65% | 8.25% – 9.25% | 30-Year Fixed |
Frequently Asked Questions
See If Your Rental Property Qualifies
Takes 2 minutes. No credit impact. A licensed loan officer will follow up within 1 business hour.
Explore Related Programs
Not sure DSCR is right for you? See our other investor loan programs.
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