Loan Program
DSCR Rental Lending
Financing for 1-4 unit rental investment properties, qualified on the property's cash flow instead of your personal income.
DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors building or growing a rental portfolio. Instead of underwriting your personal tax returns and W-2s, the lender evaluates whether the property's rental income covers its own mortgage payment — making this program especially useful for self-employed investors or anyone whose personal income doesn't reflect their actual investing capacity.
Apply Now- 1-4 unit rental investment properties
- Qualify on property cash flow, not personal income
- Maximum 80% loan-to-value
- Nationwide lending from $100,000+
- No tax returns or income verification required
- Fast close, ideal for growing a rental portfolio
| Lending Area | Nationwide, with preferred programs for Western states |
|---|---|
| Loan Amount | $1,000,000 and up nationwide; $350,000 and up in California |
| Maximum LTV | Up to 80%, based on risk and in-place cash flow |
| Fixed Rates | Starting at 5.75% and above |
| Amortization | 30-year amortization standard |
| Recourse | Non-recourse options available |
| Prepayment | Ranges from none to yield maintenance or stepdown |
| Underwriting | Starting at a 1.15x debt service coverage ratio |