Rental DSCR Loans

Leverage Cash Flow to Grow Your Portfolio

Grow your rental portfolio with financing that prioritizes property cash flow—not personal income. No tax returns or DTI requirements. Access up to 80% financing, with options for second-position mortgages. Choose from 30-year fixed, ARM, or interest-only structures, with cash-out refinancing available after just three months of ownership.

  • Ideal for Rental Properties that Cash Flow

  • 1 - 4 Units

  • Loan Amounts from $50K to $5M

  • Minimum FICO 660

  • 30-year fixed, arm and Interest-only options available

Terms

Term
30-year fixed, arm and IO options available

Construction Financing
Up to 100% of rehab budget

Maximum LTC (% of Purchase Price)
If Owned <3 months, 80% of Total Cost Basis

Maximum Loan-to-Value (LTV)
Up to 80% on purchase and rate & term.

Up to 75% on cash-out

Loan Amount
$50K - $5M

Borrower Type

Entity required

Property Types

Single Family Residences (SFR)

2-4 unit properties

Townhomes

Warrantable Condos
Planned Unit Development (PUD)

Property Or Unit Acquisition Minimum

1 property per loan

Vacancy Maximum

Purchases only or leased within 30 days

Minimum Debt Service Coverage Ratio
(Gross Rent/PITIA)

0.75%

Property Condition

C2 or better

Seasoning Requirement
(To use value vs. Cost basis)

180 days

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