Lending Products
DSCR Loans
Long-term rental property financing based on property cash flow, not personal income. Perfect for investors building portfolios.
Loan Parameters
Loan Amount$100K - $5M
Loan-to-ValueUp to 80%
Interest Rates7% - 9%
Term30-year fixed
Min DSCR1.0x
Income DocsNot Required
How DSCR Loans Work
Debt Service Coverage Ratio (DSCR) loans qualify based on the property's rental income, not your personal income or tax returns.
DSCR Calculation
DSCR = Monthly Rent ÷ PITIA
PITIA = Principal + Interest + Taxes + Insurance + HOA
Example:
Monthly Rent
$3,500
Monthly PITIA
$2,800
DSCR
1.25x
✓ Qualifies
Benefits of DSCR Loans
No Income Verification
Qualify based on property cash flow, not personal income or tax returns.
Fast Closings
Streamlined process with fewer documents means faster approvals.
Unlimited Properties
No cap on the number of financed properties in your portfolio.
LLC Ownership
Vest in your LLC or corporation for liability protection.
Long-Term Fixed Rates
30-year fixed rates for predictable cash flow planning.
Cash-Out Available
Access equity in existing properties for new investments.
Ready to Grow Your Portfolio?
Get pre-qualified in minutes with no impact to your credit score.