DSCR Rental Loans
Fast & Flexible Funding for Rental Property Investors
Purchase, refinance, or cash-out on single properties, multifamily, or entire portfolios. Qualify based on property cash flow—no tax returns, no W-2s, no income verification.
Calculate Your DSCR
Use our interactive calculator to see if your property qualifies for a DSCR loan.
Choose Your Program
Multiple DSCR options to meet investors at every stage.
Single Property
$75K–$3M | FICO 660
Perfect for acquiring or refinancing individual rental properties. No experience required.
Multifamily
$250K–$3M | FICO 700
For 5–8 unit multifamily properties. Requires 12 months ownership experience.
Portfolio / Blanket
$400K–$5M | FICO 700
Consolidate 2–10 properties into a single loan with one monthly payment.
Why DSCR Loans?
The smarter way to finance rental properties.
No Tax Returns
Qualify based on property cash flow, not personal income.
Fast Closings
Close in as little as 30 days with streamlined underwriting.
Foreign Nationals
Special programs for international investors.
No Experience Needed
First-time investors welcome on most programs.
Program Details
Full specifications for each DSCR loan program.
Single Property DSCR
$75K–$3M | FICO 660Our Single Property DSCR Loan is designed for real estate investors looking to purchase, refinance, or cash-out on individual rental properties. No experience required—first-time investors welcome.
Multifamily DSCR
$250K–$3M | FICO 700For investors looking to purchase, refinance, or cash-out on 5–8 unit multifamily properties. Requires 12 months owning income-producing real estate OR 1 rehabbed/constructed project in past 36 months.
Portfolio / Blanket DSCR
$400K–$5M | FICO 700Consolidate 2–10 rental properties in the same state into a single loan with one monthly payment. Perfect for portfolio landlords looking to scale efficiently.
Who Is This Perfect For?
Our DSCR loan programs are designed for investors at every stage.
Buy & Hold Investors
Building a long-term rental portfolio? DSCR loans let you acquire property after property without income limits.
BRRRR Investors
After the rehab, DSCR loans provide the permanent financing you need to hold and cash flow long-term.
Self-Employed Investors
Tax returns don't reflect your true income? No problem. We qualify based on the property, not your 1040.
Portfolio Landlords
Consolidate multiple properties into a single loan or finance your next acquisition without income verification.
Foreign Nationals
Investing from overseas? We offer DSCR loans specifically designed for international borrowers.
First-Time Investors
No experience required on most programs. We'll guide you through your first rental property acquisition.