DSCR Loans
DSCR (Debt Service Coverage Ratio) Loans allow real estate investors to qualify based primarily on the property's rental income rather than personal income. These loans are ideal for investors looking to purchase or refinance income-producing properties without the documentation required for conventional mortgages.
Long-Term Financing for Rental Properties
Ideal For
- Rental property investors
- Self-employed borrowers
- Portfolio landlords
- LLC borrowers
- Buy-and-hold investors
Loan Features
- No personal income verification in most cases
- Qualification based primarily on rental income
- Fixed and adjustable-rate options
- Up to 30-year loan terms
- Interest-only options available for qualified borrowers
- Cash-out options available
Eligible Properties
Single-family rentals
Condominiums
Townhomes
2–4 unit properties
Non-owner occupied investment properties
Benefits
Easier qualification for investors
Build and scale your rental portfolio
Competitive long-term financing
Flexible lending options
Financing designed for investment properties