DSCR Loans Nationwide
1–4 unit residential properties, $1M max loan amount, close in 14 days.
What Are DSCR Loans?
Debt Service Coverage Ratio loans qualify based on rental income vs. debt obligations. Perfect for landlords and investors building rental portfolios.
- 660+ mid credit score required
- 1–4 unit residential properties only
- $1M max loan amount
- Close in 14 days
- No rural properties
Airbnb Rental Loans
Designed for short-term rental investors. Qualification is based on credit and property value, not DSCR or projected Airbnb rents.
- 650+ mid credit score required
- 75% loan-to-value
- 1–4 unit residential properties only
- $1M max loan amount
- Close in 14 days
- No rural properties
Program Comparison
| Program | Credit Score | Property Type | Max Loan | LTV | Timeline | Notes |
|---|---|---|---|---|---|---|
| DSCR Loans | 660+ | 1–4 unit residential | $1M | Based on DSCR | 14 days | No rural properties |
| Airbnb Rental Loans | 650+ | 1–4 unit residential | $1M | 75% | 14 days | No DSCR, no Airbnb rents |