DSCR / Rental

Long-term rental financing based on property cash flow—not personal income.

Loan Highlights

Rates starting as low as 5.75%
As low as 0.75 DSCR programs available!
Loans up to $3,000,000
Up to 85% LTV for purchase
Up to 80% LTV rate and term refinances
Up to 75% LTV cash-out refinances
No seasoning required on recent rehabs
Vacant properties allowed
DSCR calculated using 1007 / rental survey if property is vacant.
Vacation rentals and AirBnBs eligible

A DSCR loan is an investment property loan that’s based on the property’s cash flow rather than the borrower’s personal income. Approval is determined by whether the rental income can cover the mortgage payment, making it a popular option for investors buying or refinancing rental properties.

Minimum FICO: 660

Best for: Buy-and-hold investors, short-term rentals, portfolio expansion

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