What Is a DSCR Lender, and Why Do Investors Prefer Them?
December 9, 2025
DSCR lenders are private lending companies that offer DSCR (Debt Service Coverage Ratio) loans, a loan type designed exclusively for real estate investors. These lenders do not follow conventional or GSE (Fannie/Freddie) guidelines. Instead, they use proprietary criteria centered around the income of the property, not the borrower.

DSCR lenders primarily serve:
  • Investors scaling beyond what conventional lenders allow
  • Borrowers using BRRRR, short-term rentals, mid-term rentals, or multifamily strategies
  • Investors who prefer no income documentation
  • Real estate entrepreneurs building long-term rental portfolios
Because DSCR lenders don’t evaluate personal income, tax returns, DTI ratios, or employment history, they offer a streamlined path for investors to scale faster and secure long-term rental financing with fewer barriers.

Lend Investors Capital specializes in DSCR financing for investors who want 30–40 year terms, flexible DSCR thresholds, portfolio financing, and high leverage without conventional roadblocks.