DSCR Rental Loan FAQs – Your Guide to 30-Year Investor Financing
Whether you’re refinancing out of hard money or building a rental portfolio, these 20 questions tackle everything landlords and BRRRR investors ask about Debt Service Coverage Ratio (DSCR) loans.
DSCR Rental Loan FAQ's
DSCR Rental Loan FAQ’s
A DSCR rental loan is a long-term mortgage for investment properties, qualified based on rental income rather than personal income. DSCR stands for “Debt Service Coverage Ratio.”
DSCR = Net Operating Income ÷ Total Monthly Loan Payment Example: If your property nets $2,500/month and loan payment is $2,000/month, your DSCR is 1.25.
Most lenders require a DSCR of 1.0 to 1.25, depending on credit and property type.
Yes. Our program does not require tax returns, W2s, paystubs, or borrower income verification. Qualification is based solely on property income.
We lend on: Single-family homes 2–4 unit buildings Townhomes Condos
Yes. Our 30-year DSCR rental loans are available in 45+ states plus Washington DC.
Absolutely. We specialize in helping investors refinance short-term hard money loans into fixed-rate DSCR loans for long-term cash flow.
We recommend a mid-score of 660+, but some cases may be approved lower with strong DSCR and reserves.
Yes. Cash-out is available up to 75% of as-is appraised value. Many BRRRR investors use cash-out to fund their next project.
Yes. If your property has existing debt, you’ll need 90 days of ownership before refinancing. If purchased cash, 180 days of title seasoning may apply.
Yes. We encourage entity-based ownership. All of our loans are issued to LLCs and Corporations.
There’s no hard cap. We regularly fund multiple rental properties or portfolios for experienced investors.
Minimum loan size is $75,000, and we fund up to $2MM+ on single assets or grouped portfolios.
Yes. We offer both interest-only and fully amortized 30-year fixed terms. Choose what fits your strategy.
We close most DSCR refinance deals in 14 days, depending on appraisal and title readiness.
Minimal. We typically need: Lease agreement(s) Proof of last 3 months rent payments Last 2 bank statements Property tax bill Property insurance Entity docs (if LLC or Corp) Application and Drivers License
That’s fine. We lend to new investors—provided the property cash-flows and meets DSCR.
Yes. Try our DSCR calculator tool to estimate eligibility and prequalify in minutes.
Use our loan application form or contact us directly for a fast quote. Approvals typically within a few hours at most.
