Business-purpose real estate financing

DSCR Rental Loans for Real Estate Investors

DSCR rental financing is intended for investment properties held for rental income. The review focuses on property cash flow and debt service alongside the property, requested leverage, and borrower profile. A cash-flow approach does not remove other underwriting requirements.

Where this program may fit

  • Long-term investment rental ownership
  • Acquisition of a rental property
  • Refinancing a rental after renovation and stabilization

Program highlights

Loan Amount
Up to $5M
Term
30-year fixed/ARM
LTV
Up to 80%
Min DSCR
0.75x
Property Types
SFR, 2–4 unit

Program availability and leverage vary by scenario. Published parameters are subject to underwriting and final approval.

Prepare your financing request

Start with the information below. The team may request additional documents based on the property, sponsor, and capital source.

  • Property address, type, and unit count
  • Current leases or market rent information
  • Property taxes, insurance, and association fees
  • Purchase details or current mortgage payoff
  • Borrowing entity information and requested loan structure

What does DSCR mean?

DSCR stands for debt service coverage ratio. It compares qualifying property income with debt service under the applicable program's calculation. Requirements and treatment of rental income vary by program and transaction.

Related financing insight

Bridge Loans vs. DSCR Loans: Choosing the Right Structure

Discuss your dscr rental opportunity

Submit your property, financing request, and business plan for a preliminary review.

Speak With Our Team

This is not a commitment to lend. All financing is subject to underwriting, due diligence, documentation, capital availability, and final approval.