Qualify on the property's cash flow, not your tax returns.
DSCR rental loans for investors buying or refinancing single-family, 2–4 unit and small multifamily rentals — matched with a loan officer who is also an active investor and developer.
The rent qualifies the loan.
A debt service coverage ratio (DSCR) loan qualifies you mainly on whether the property's rent covers its mortgage payment, taxes, insurance and HOA dues. That makes it a fit for self-employed investors, people with large write-offs and anyone scaling past conventional limits.
Common uses
- Buying single-family rentals and 2–4 unit properties
- Cash-out refinancing to fund your next deal
- Refinancing out of hard-money or construction debt after a build or rehab
- Closing in an LLC
- Short-term rentals (program dependent)
Why work with a specialist who invests
Investor loans are judged on rents, leases, property condition and appraisals that rely on rent comparisons. Your specialist has built and operated a rental portfolio, so they read a deal the way you do — and can tell you early whether the numbers will work.
Quick DSCR estimate
A rough check only — your specialist will confirm with real numbers.
Estimated DSCR: 1.28
DSCR FAQ
What DSCR do I need?
It varies by program. Many look for rent at or above the full payment; some allow less with stronger terms elsewhere.
Can first-time investors qualify?
Some programs allow it. Your specialist will check.
How fast can it close?
Often faster than conventional financing, since there's less personal income documentation.
Can I close in my LLC?
Yes, many DSCR programs allow closing in an LLC.