DSCR Rental Loans

Fast & Easy funding for DSCR Rental Properties Nationwide


We offer Purchase, Rate & Term, and Cash-out solutions for Single Property, Multifamily, and Portfolios. Refinance to stabilize loan terms or take cash-out to acquire additional rental properties and increase your portfolio & cash-flow.

Our Rental programs are designed for new and experienced real estate investors, and qualifying is based on the cash-flow generated by the property, so we never hassle with tax returns, paystubs, or W-2s.


DSCR

"Best" rates and terms for the highest qualified real estate investors.

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DSCR Expanded

Expanded requirements to meet additional real estate investors where they are.

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DSCR Foreign National

Special DSCR rental loan for foreign nationals.


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DSCR Multifamily

For those looking to purchase/refi/cash-out a single rental property that has 5 to 8 units.

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DSCR Portfolio

For those looking to purchase/refi/cash-out multiple rentals into a single loan payment.

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DSCR Loan Highlights

"Best" Rates |   $100K - $3M | Min. FICO 680

  • Acquisition & Refinances
  • 30-yr fixed (P&I or IO)
  • Min. DSCR 1.00
  • Max LTV 80% Purchase
  • Max LTV 75% Cash-out
  • Experience Min: 12 mo. owning income-producing real estate or 1 rehabbed/constructed in past 36 mo.
  • Single Family, 2-4 Units, Warrantable Condos
  • Pre-Payment Penalty 0-5 Years
  • Short-term Rentals eligible
  • Vacant Refinance eligible
  • Current value 90-day seasoning eligible
  • Padsplit properties eligible
  • Rate Protection available
DSCR Expanded Loan Highlights

"Good" Rates |   $100K - $3M | Min. FICO 660

  • Acquisition & Refinances
  • 30/40-yr fixed (P&I or IO)
  • Min. DSCR 0.80
  • Max LTV 80% Purchase
  • Max LTV 75% Cash-out
  • No Experience Required
  • Single Family, 2-4 Units, Condos, Condotels
  • Non-Warrantable Condos eligible
  • Pre-Payment Penalty 1-5 Years
  • Short-term Rentals eligible
  • Vacant Refinance eligible
  • Current value 90-day seasoning eligible
  • Padsplit properties eligible
  • Rate Protection available
DSCR Multifamily Loan HIghlights

$250K - $3M | Min. FICO 700

  • Acquisition & Refinances
  • 30-yr fixed (P&I or IO)
  • Min. DSCR 1.00
  • Max LTV up to 75%
  • 5-8 Units
  • Experience Min: 12 mo. owning income-producing real estate or 1 rehabbed/ constructed in past 36 mo.
  • Pre-Payment Penalty 0-5 Years
  • Rate Protection available
DSCR Portfolio Loan Highlights

$400K - $5M | Min. FICO 700

  • Acquisition & Refinances
  • 30-yr fixed (P&I or IO)
  • Min. DSCR 1.10
  • Max LTV 80% Purchase
  • Max LTV 75% Cash-out
  • No Experience Required
  • 2-10 Properties same state
  • Single Family, 2-4 Units, Warrantable Condos
  • Pre-Payment Penalty 3-5 Years
  • Short-term Rentals eligible
  • Vacant Refinance eligible
  • No Property Substitutions
  • Rate Protection available
DSCR Foreign National Loan Highlights

$100K - $2M | Min. FICO 700, if available

  • Acquisition & Refinances
  • 30/40-yr fixed (P&I or IO)
  • Min. DSCR 1.00
  • Max LTV up to 65%
  • No Experience Required
  • Single Family, 2-4 Units, Condos
  • Non-Warrantable Condos eligible
  • Pre-Payment Penalty 3 Years
  • Foreign National eligible
  • Rate Protection available