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For real estate investors · Location dependent

DSCR loans — qualify on the property, not your paycheck.

Explore rental-property financing that may consider property cash flow. Income and other documentation may still be required. Available to investors in eligible locations, with a specialist who knows how to structure the deal.

Submit my deal Call 480-588-0397

Who it’s for

Real estate investors in eligible locations who are buying or refinancing non-owner-occupied rental property may be able to use a business-purpose DSCR (Debt-Service-Coverage-Ratio) program. Property, borrower, and documentation requirements depend on the lender and program.

Why investors choose our DSCR

  • Rental cash flow reviewSome programs consider rent relative to the proposed payment; income documentation may still be required.
  • Entity ownership may be possibleLLC and vesting requirements vary by lender and program.
  • Portfolio optionsFinanced-property limits vary by lender and program.
  • Purchase or refinanceCash-out availability and proceeds depend on property equity and program limits.

General guidelines

Program examples below are not an offer. Current requirements and available terms must be confirmed for the property and borrower.

DSCR
Program dependent
Lenders compare eligible rent with the proposed payment using their own calculation.
Down payment
Program dependent
Property type, valuation, credit, and reserves can affect the requirement.
Credit score
Program dependent
Minimums and pricing vary by lender and current program.

Underwriting a deal yourself? Grab our free BRRRR & fix-and-flip deal analyzer — Maximum Allowable Offer, DSCR, cash-on-cash, and a 5×5 sensitivity grid in one spreadsheet. Get the free spreadsheet →

Common questions

What exactly is DSCR?
Debt-Service-Coverage-Ratio = the property’s rental income divided by its total mortgage payment (PITIA). A DSCR of 1.0 means the rent exactly covers the payment; above 1.0 means positive cash flow. We size the loan around that ratio instead of your personal income.
Do you check my personal income?
Requirements vary. Some DSCR programs focus on property cash flow, but the lender may request personal income, credit, assets, reserves, and rental information.
Can I borrow in an LLC?
Some programs permit an LLC or other entity. The lender must confirm eligibility, ownership, and vesting requirements.
Which states do you lend in for DSCR?
DSCR is a business-purpose loan, and we offer it to investors in eligible locations. Your specialist will confirm details for the property’s location.
Ready when you are

Let’s structure your next deal.

Share the property and the numbers — a DSCR specialist will follow up with real terms.

Submit your deal

One screen, no wizard. If it fits, you will hear back the same business day. 9 required answers, the rest optional.

Private and hard-money lending is Arizona only. In a hurry? Call 480-588-0397.