01
~5 min
Inquiry.
Share property, monthly rent, annual tax, annual insurance. We do the DSCR math.
No tax returns. No credit pull yet.
Loan Program · DSCR Rental
Long-term financing
on the deal's income.
30-year terms underwritten on the property's cash flow, not yours. Up to 75% LTV on purchase, up to 80% on refinance.
Rate from
5.75 %
Starting rate
Purchase LTV
75 %
Up to
Refi LTV
80 %
Up to
Term
30 yr
Fixed · long-term hold
1–4 unit non-owner-occupied · No tax returns · Underwritten on property cash flow
Portfolio loans
Portfolio options included — please reach out for pricing.
If you're running more than one rental and want financing across the whole set, we'll quote you directly. Every portfolio is priced on its own cash flow and composition.
Who it's for
Income-property investors thinking long term.
DSCR (debt service coverage ratio) financing underwrites the property's own rent, not the borrower's personal income. No tax returns. It's the standard for buy-and-hold.
- Rental investors holding 1–4 unit non-owner-occupied properties for income.
- Mom-and-pop landlords scaling a small portfolio one property at a time.
- Fix-and-flip exiters — refinance a stabilized rehab into a 30-year rental hold with us.
- Self-employed borrowers whose tax returns don't tell the full story. The deal does.
Terms & eligibility
The real numbers.
Rate from
5.75 %
Starting
Purchase LTV
75 %
Up to
Refinance LTV
80 %
Up to
Term
30 yr
Fixed · long-term hold
Tax returns
Not required
DSCR underwriting only
DSCR ratio min
1.1
Minimum coverage
Rates and terms subject to underwriting, appraisal, and title.
How it works
Three steps to a 30-year hold.
02
< 24 hrs
DSCR underwriting.
Property cash flow underwriting, not personal income. Written term sheet inside 24 hours.
A real person on the other end.
03
~10 days
Close.
Close and put the rental into a 30-year fixed position.
Wire to closing.
DSCR Rental FAQ
Answers before you apply.
Something not here? Start the inquiry and we'll address it on the term sheet. Start an inquiry →
Debt Service Coverage Ratio measures whether a property's income covers its debt payments. A DSCR of 1.0 means rent equals the loan payment. Above 1.0 means the property carries itself with margin. It's the rental-financing standard because the deal stands on its own.
No. DSCR lending underwrites the property's cash flow, not your personal income. If your W-2 or self-employment paperwork doesn't tell the story, the property's numbers will.
Yes — it's the standard play. Renovate on a fix-and-flip loan, stabilize the rent, then refinance into a 30-year DSCR hold. One operator, two loans, one exit strategy.
Minimum ratio publishing pending. In general, higher DSCR unlocks better rate and higher LTV. We'll tell you where your deal lands on the term sheet.
Yes — portfolio options included, please reach out for pricing. Every portfolio is quoted on its own cash flow. Contact us to scope one.