Rental Property Loans: Effortless Growth, Zero Hassle

Imagine building your real estate portfolio without the paperwork grind. DSCR (Debt Service Coverage Ratio) rental property loans are designed for investors who want to move fast, qualify easily, and focus on what matters: growth.

Why Choose a DSCR Loan?

• No Tax Returns. Qualify based on property income, not your personal income.
• Scale Limitlessly. Finance multiple properties—no W-2 limits, no red tape.
• Lightning-Fast Closings. Get to the finish line in as little as 15 days.
• Competitive Terms. Attractive rates for cash-flowing properties.
• Global Access. Foreign nationals welcome.

Loan Highlights

• Eligible Properties: 1-4 unit residential, multifamily, mixed-use
• Loan Amount: $100,000 to $5M+
• Interest Rate: From 5.99% (varies by property and DSCR)
• Loan Term: 30-year fixed, up to 40 years in select programs
• DSCR Requirement: 1.0x minimum (some programs have no minimum)
• Maximum LTV: Up to 90% (typically 80%, varies by property)
• Prepayment: Flexible options
• Closing Speed: As fast as 15 days

Advantages

• No Income Verification. The property qualifies, not you.
• Portfolio Power. No cap on the number of properties you can finance.
• Minimal Paperwork. Focus on deals, not documents.
• Flexible Terms. Interest-only options available.

Considerations

• Rates: Slightly higher than owner-occupied loans.
• DSCR: Property must cash flow.
• Down Payment: Usually 20–25% down.
• Reserves: 6–12 months often required.

Eligibility & Property Types

Property:

• Single-family homes
• 2–4 unit properties
• Multifamily (5+ units)
• Mixed-use
• Condos, townhomes, short-term rentals

Borrower:

• 620+ credit score
• No recent bankruptcies
• Property management experience (sometimes required)
• Reserves for down payment and closing

How DSCR Works

DSCR = Monthly Rental Income / Monthly Loan Payment

• Above 1.0: Positive cash flow
• 1.0: Break-even
• Below 1.0: May require additional support

FAQs

What is a DSCR loan? A smarter way to qualify—based on property income, not personal income.

How fast can I close? As little as 15 days with the right documents.

Can I finance multiple properties? Yes. No cap on the number of financed properties.

Are cash-out refinances available? Absolutely. Terms and LTV may vary.

What documentation is required?

• Purchase contract
• Rent roll or market rent analysis
• Property insurance
• Entity docs (if applicable)
• Bank statements for reserves

Ready to Build Your Portfolio?