Rental property investment

DSCR Loans Built for Momentum

Up to 80% LTV. No income docs. Just cash flow and speed.

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Your Rental Strategy, Step-by-Step

Step 1

Submit Your Property

Upload address and rent roll >

Step 2

DSCR Calculation

We analyze cash flow vs debt >

Step 3

Appraisal & Closing

Fast appraisal + 48hr underwriting >

Investor reviewing rental portfolio

Cash Flow Drives Approval

No tax returns. No W2s. Just rental income and property performance.

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Terms

Loan Structure

Up to 80% LTV Purchase / Rate & Term
Up to 75% LTV Cash-Out

Loan Types

5, 7, 10, 30-year fixed
Interest-only options available

Property Types

1–4 Family, Condos, Townhomes, PUDs
Mixed-use & Multifamily (5+ units)

Process

Step 1

You select your loan term

Step 2

You provide basic property info

Step 3

We order appraisal and begin underwriting

Borrower Requirements

Entity Ownership

Loans must be made to an LLC or corporate entity

Credit Score

Minimum FICO score of 680

Experience

You must own at least one property (primary residence qualifies)

DSCR Loan FAQs

What is DSCR?

DSCR stands for Debt Service Coverage Ratio. It compares rental income to loan payments.

Do I need personal income docs?

No. DSCR loans are based on property cash flow, not personal income.

Can I use this for short-term rentals?

Yes. DSCR loans can be used for Airbnb, VRBO, and other short-term rental properties.