DSCR Rental Loans
Fast & Easy funding for DSCR Rental Properties Nationwide
We offer Purchase, Rate & Term, and Cash-out solutions for Single Property, Multifamily, and Portfolios. Refinance to stabilize loan terms or take cash-out to acquire additional rental properties and increase your portfolio & cash-flow.
Our Rental programs are designed for new and experienced real estate investors, and qualifying is based on the cash-flow generated by the property, so we never hassle with tax returns, paystubs, or W-2s.
DSCR Expanded
Expanded requirements to meet additional real estate investors where they are.
DSCR Loan Highlights
"Best" Rates | $100K - $3M | Min. FICO 680
- Acquisition & Refinances
- 30-yr fixed (P&I or IO)
- Min. DSCR 1.00
- Max LTV 80% Purchase
- Max LTV 75% Cash-out
- Experience Min: 12 mo. owning income-producing real estate or 1 rehabbed/constructed in past 36 mo.
- Single Family, 2-4 Units, Warrantable Condos
- Single Family, 2-4 Units, Warrantable Condos
- Short-term Rentals eligible
- Vacant Refinance eligible
- Current value 90-day seasoning eligible
- Padsplit properties eligible
- Rate Protection available
DSCR Expanded Loan Highlights
"Good" Rates | $75K - $3M | Min. FICO 660
- Acquisition & Refinances
- 30/40-yr fixed (P&I or IO)
- Min. DSCR 0.80
- Max LTV 80% Purchase
- Max LTV 75% Cash-out
- Single Family, 2-4 Units, Legal Non-Conforming that can be rebuilt, Condos, Condotels
- No Experience Required
- Non-Warrantable Condos eligible
- Pre-Payment Penalty 1-5 Years
- Short-term Rentals eligible
- Current value 90-day seasoning eligible
- Padsplit properties eligible
- Rate Protection available
DSCR Multifamily Loan HIghlights
$250K - $3M | Min. FICO 700
- Acquisition & Refinances
- 30-yr fixed (P&I or IO)
- Min. DSCR 1.00
- Max LTV up to 75%
- 5-8 Units
- Experience Min: 12 mo. owning income-producing real estate or 1 rehabbed/ constructed in past 36 mo.
- Pre-Payment Penalty 0-5 Years
- Rate Protection available
DSCR Portfolio Loan Highlights
$400K - $5M | Min. FICO 700
- Acquisition & Refinances
- 30-yr fixed (P&I or IO)
- Min. DSCR 1.10
- Max LTV 80% Purchase
- Max LTV 80% Purchase
- 30-yr fixed (P&I or IO)
- Min. DSCR 1.10
- Single Family, 2-4 Units, Warrantable Condos
- Pre-Payment Penalty 3-5 Years
- Short-term Rentals eligible
- Vacant Refinance eligible
- No Property Substitutions
- Rate Protection available
DSCR Foreign National Loan Highlights
$100K - $2M | Min. FICO 700, if available
- Acquisition & Refinances
- 30-yr fixed (P&I or IO)
- Min. DSCR 1.00
- Max LTV up to 65%
- No Experience Required
- Single Family, 2-4 Units, Condos
- Non-Warrantable Condos eligible
- Pre-Payment Penalty 3 Years
- Foreign National eligible
- Rate Protection available