Build long-term wealth through rental investments
Finance single properties or entire rental portfolios with flexible DSCR loans designed for real estate professionals.
DSCR Rental Loans
A rental property loan, also called a DSCR (Debt Service Coverage Ratio), is when an investor buys or refinances a rental property using a DSCR loan, where the rent covers the mortgage. Instead of relying heavily on the borrower’s personal income or tax returns, lenders approve the loan based on the property’s ability to generate enough rental income to cover its debt obligations.
Typically, lenders want to see a DSCR above 1.2 to approve the financing. Eligible properties include single-family residences, 2-4 units, condos, PUDs, and manufactured homes.
Program Benefits
Flexible Term Options
Competitive Rates
Strategic Refinancing
Quick Decisions
Fast Funding
No Hidden Fees
Why Are DSCR Loans Good For Investors
DSCR (Debt Service Coverage Ratio) loans are designed with real estate investors in mind. Unlike traditional mortgages that require extensive documentation and focus heavily on personal income, DSCR loans streamline the process and open the door to faster approvals.
They are especially valuable for investors with multiple properties, complex financials, or those who prefer to reinvest their earnings rather than report high taxable income. Instead of being limited by personal capacity, lenders evaluate the property’s income potential—giving you more flexibility and scalability in building your portfolio.
With DSCR loans, you can expand your investments confidently, knowing your financing is based on the performance of your properties, not just your personal financial profile.
