DSCR Loans
A DSCR (Debt Service Coverage Ratio) loan is long-term rental financing qualified on the property's income rather than your personal income. The DSCR measures whether the property's rent covers its debt payment.
How DSCR is calculated
DSCR = Gross Monthly Rent ÷ Monthly Debt Payment (principal, interest, taxes, insurance, and HOA). A ratio of 1.0 means rent exactly covers the payment; lenders typically look for 1.10x or higher.
No Personal Income Required
Qualify on the property's rental cash flow instead of W-2s, tax returns, or DTI ratios.
30-Year Fixed Options
Long-term, fully amortizing financing built for buy-and-hold rental investors.
Purchase or Cash-Out Refi
Acquire new rentals or pull equity from existing properties to keep growing your portfolio.
Close in an LLC
Hold title in your business entity for asset protection from day one.
Grow your rental portfolio
Start a no-obligation inquiry and get a soft quote based on your property's cash flow.
Inquire for DSCR