#1 Rated DSCR Lender for Investment Properties
30-Year Fixed Rental Loans | Close in Just 14 Days | Purchase & Cash-Out Refinance Nationwide
HardMoneyMan.com LLC specializes in fast-closing DSCR (Debt Service Coverage Ratio) loans tailored for real estate investors. Whether you’re purchasing a new rental or refinancing post-rehab using the BRRRR method, we offer speed, reliability, and transparent terms across NJ, NY, PA—and in 45 states.
H30-Year DSCR Rental Loans for Investment Properties | Cash-Flow Financing Without Bank Hassles
HardMoneyMan.com LLC offers long-term DSCR rental loans designed specifically for real estate investors and landlords. Whether you’re purchasing a new rental property or refinancing post-rehab using the BRRRR method, our 30-year fixed-rate loans provide fast funding and flexible terms—without traditional income documentation.
What Is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan evaluates a property’s income—not your personal income—to determine eligibility. This means we lend based on how well the property cash-flows, using the rental income to support the loan.
Ideal for Real Estate Investors & Landlords
Buy & Hold Rentals Acquire income-generating properties with long-term fixed rates.
Cash-Out After Rehab Use the BRRRR strategy to refinance and pull equity post-renovation.
Portfolio Loans Available Finance multiple rental properties under one strategy—great for scaling.
No Tax Returns or Personal Income Verification We use your property’s net operating income to qualify, not W-2s or paystubs.
Program Highlights
| Feature | Details |
|---|---|
| Loan Term | 30-Year Fixed |
| Interest Structure | Interest-only or amortized options |
| Borrower Type | LLC’s and corporations eligible |
| Property Types | Single-family, 2–4 units, condos, townhomes |
| Closing Timeline | Typically within 14 days |
With over 25,000+ closed investment deals and $3.5B funded, HardMoneyMan.com LLC is the nation’s trusted lender for DSCR rental loans—serving clients across New Jersey, New York, Pennsylvania, and all 50 states.
Apply now to start building your rental portfolio with confidence and speed.
30 Year DSCR Rental Loans for Investment Properties
30 Year DSCR Rental Loans are a very helpful tool for investors that want to buy a rental property without all the red tape from a bank. They can also be refinanced and cash out using the BRRRR method after completing a rehab on their property. This is the most suitable loan for landlords. This program works well for those investors looking to portfolio multiple cash-flowing rentals. We do not look at your personal income, rather the property income (debt service ratio) to figure out how much we can lend on that particular property.
30 Year DSCR Loan Highlights
- Most competitive market rates out there!
- 660+ Mid Credit Score required
- Property Types – Single Family, 2-4 unit, Condos, Townhouses
- Closings in 14 days
- Approvals in 30 minutes or less
- Available in 45 states + Washington DC
- Single properties or portfolio loans available
- Bank Statements only – No borrower DTI requirements (no tax returns, no paystubs to qualify)
- Cash out can be used to show reserves
- Non-Owner-Occupied properties only (no homeowner loans)
- 1.05 DSCR Requirement
- Seasoning requirement 90 days when there is existing debt on the property (otherwise 180 days)
- “As is” Appraised value must be $100K or greater
- Minimum 75k loan amount – no exceptions
- Loan to values
- Purchase: Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
- Refinance: Up to 75% of the As-Is Value
- Cash-Out: Up to 75% of the As-Is Value
Refinance Your Hard Money Loan | Convert to a 30-Year Rental Loan
Need to refinance a short-term hard money loan? You’re not alone—thousands of real estate investors are converting bridge loans into long-term 30-year DSCR rental loans to reduce costs and improve cash flow.
Why Refinance Your Hard Money Loan?
Short-term hard money loans come with high interest rates and fast payoff deadlines. By refinancing into a 30-year fixed rental loan, you can lock in lower payments, maximize property income, and build a sustainable portfolio.
This loan is ideal for:
Investors nearing the end of a short-term bridge loan
Landlords using the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat)
Fix and flip borrowers ready to convert to long-term holds
Can You Refinance a Hard Money Loan?
Yes—you can. But first, check your original loan documents for any prepayment penalties. While most hard money loans don’t include one, some do. Be sure to calculate the cost of exiting early to avoid unexpected fees.
How Fast Can You Refinance?
Typical lenders (like banks) may take 30–60 days to close refinance loans. At HardMoneyMan.com LLC, we can close in as little as 2 weeks, getting you out of high-interest debt fast.
Rehab and Refinance Strategy: BRRRR Made Easy
Planning to rehab and rent? Start with our ARV-based Fix and Flip Loan to fund purchase and renovation—then refinance into a DSCR rental loan for long-term cash flow.
How to Qualify for a 30-Year Investment Property Loan
To prepare for refinancing, follow these five steps:
Down Payment & Credit Have at least 20% down and a solid credit profile.
Target High-Rent Markets Look for areas where monthly rent equals at least 1% of the purchase price.
Choose an Investor-Friendly Lender Work with specialists like HardMoneyMan.com LLC, not retail banks.
Gather Key Financials Collect 12-month rental income, property tax, insurance, and current rent history.
Run DSCR Analysis Let us calculate your Debt Service Coverage Ratio (DSCR) to determine max loan eligibility.
Refinancing your hard money loan doesn’t need to be slow or confusing. Let HardMoneyMan.com LLC help you transition into smart, long-term financing that aligns with your rental income and investment goals.
Start your refinance today at HardMoneyMan.com LLC.
Long Term 30 Year Landlord Loans
This is unlike any other soft money program on the market today. Closing times in as little as 15 days, credit scores from 660 and up and loan amounts from 75K and up.
If you’re looking for a 30-year product – fixed rate, 5/6.7/6 or 10/6 ARV we have what your looking for! Fill out the application on this page to get your deal priced out . This is for 1-4-unit residential properties, townhouses and condos ONLY. No commercial or owner-occupied homes allowed.
What Is the BRRRR Method in Real Estate Investing? A Smart Strategy to Build Passive Income
The BRRRR Method—which stands for Buy, Renovate, Rent, Refinance, Repeat—is a powerful real estate investment strategy designed to grow a portfolio of rental properties while maximizing equity and cash flow.
Step-by-Step Breakdown of the BRRRR Method
Buy Find an undervalued or distressed property with strong rental potential.
Renovate Perform strategic upgrades that add value and increase marketability.
Rent Lease the renovated property to generate stable monthly income.
Refinance Use a DSCR rental loan or similar investment property refinance product to tap into equity.
Repeat Reinvest the funds into your next property and continue scaling your portfolio.
Why Investors Use the BRRRR Strategy
Build Wealth Faster – Each refinance helps unlock equity to fund future investments.
Generate Passive Income – Rental income provides consistent, long-term cash flow.
Minimize Risk – Renovating improves value, and renting ensures consistent returns.
Scale Efficiently – Repeating the cycle allows investors to grow without draining personal capital.
Key Tips for Success with BRRRR
| Element | Why It Matters |
|---|---|
| Property Selection | Choose markets with high demand and low vacancy |
| Renovation ROI Focus | Avoid over-improving—maximize value with strategic updates |
| Accurate DSCR Analysis | Ensure rental income supports your refinance loan |
| Timely Execution | Stay ahead of market trends and funding timelines |
HardMoneyMan.com LLC: BRRRR-Friendly Lending Options
Ready to refinance your renovated rental? We offer 30-year DSCR loans with fast closings and no personal income verification—perfect for the Refinance and Repeat stages of BRRRR.
With over 25,000 funded deals and $3.5B in real estate loans, HardMoneyMan.com LLC is the go-to hard money lender for investors using the BRRRR method across New Jersey, New York, Pennsylvania, and nationwide.
How to Calculate DSCR for Your Rental Property | Real Estate Investment Guide
The Debt Service Coverage Ratio (DSCR) is a critical financial metric used by lenders to evaluate the profitability and loan eligibility of your rental property. A higher DSCR shows that your property’s income comfortably covers its debt payments—making it a powerful tool for securing real estate investment loans.
DSCR Formula for Real Estate Investors
To calculate DSCR, use the following formula:
DSCR = Net Operating Income (NOI) ÷ Total Debt Service
Net Operating Income (NOI) = Gross rental income − operating expenses
Total Debt Service = Annual loan payments (principal + interest)
Example: If your property earns $100,000 in NOI annually and your total debt service is $80,000:
DSCR = $100,000 ÷ $80,000 = 1.25
This means you’re generating 25% more income than needed to cover loan payments.
Why DSCR Matters for Rental Property Financing
| DSCR Value | Lender Interpretation |
|---|---|
| > 1.25 | Strong cash flow—excellent for loan approval |
| 1.0 – 1.25 | Acceptable risk—may qualify with conditions |
| < 1.0 | Negative cash flow—unlikely to meet loan criteria |
Lenders often require a minimum DSCR of 1.2 or higher for investment properties to ensure sufficient income for mortgage payments and operating costs.
Tips to Improve Your DSCR
Increase rental income through upgrades or better leasing terms
Reduce operating expenses where feasible
Pay down existing debt to lower annual debt service
Understanding and optimizing your DSCR helps real estate investors qualify for 30-year rental loans, including DSCR-based financing that doesn’t require personal income verification.
Want help calculating DSCR on a specific deal? I can break it down with live examples or provide formulas in spreadsheet-friendly formats. Just let me know!