DSCR Loans
Long-term financing based on your property's rental income, not your personal income. No W-2s, no tax returns. Qualify based on property cash flow.
Get Your TermsCommon Use Cases
Rental Portfolio Owners
Investors with multiple rental properties seeking long-term financing.
Cash-Flow Investors
Projects with consistent income covering debt service obligations.
Passive Income Seekers
Investors seeking long-term, passive income financing structures.
General Terms
Max LTV80%
Loan Amount$125K – $2.5M
Term30 years, fixed or adjustable
RateStarting at 6.125% (Market Based)
Min DSCR1.00x
Min FICO680
Property TypesSFR, Multi 2-4, Townhome, Condo
Foreign NationalsAccepted (No minimum FICO)
Prepayment PenaltyNone
Requirements
- Government-issued ID (DL, Valid Visa, Passport)
- Entity Documents: Operating Agreement / Bylaws, Articles of INC, EIN Letter, Certificate of good standing
- 2 months bank statements
- Lease agreement (if property is rented)
- Property insurance
- No personal income docs required
How It Works
1
Apply Online
Submit property details and rental income information.
2
Cash Flow Evaluated
DSCR = Rent / Debt Service. Property income is the qualifier.
3
Close & Fund
Close in as few as 30 business days.
Frequently Asked Questions
A loan evaluated based on the property's income-to-debt service ratio. Approval depends on property cash flow, not personal income.
No. Approval is based solely on the property’s cash flow. No W-2s, tax returns, or pay stubs required.
Up to $2,500,000. Larger amounts may be evaluated on a case-by-case basis.
Yes. Foreign nationals are accepted for DSCR loans. No minimum FICO required for foreign nationals.
Single-family homes, multifamily 2-4 units, townhomes, and condos.
