DSCR Rental Loans

Finance investment properties using rental income, not personal income. Ideal for investors and LLCs, with competitive rates, high leverage, limited docs, and fast closings.

Program Features

• Rates: Starting at 5.75%

• Loan Amounts: $100,000—$5,000,000

• Property Types:

  • Single-Family Residences

  • 2—4 Unit Properties

  • Condos

  • Townhomes

  • Short-Term Rentals

• Leverage:

  • Up to 80% LTV— Purchase & Rate/Term Refinance

  • Up to 75% LTV— Cash-out Refinance

• Loan Structure:

  • Flexible Prepayment Penalty Structures

  • 30-Year Fixed & Adjustable-Rate Options

  • LLC Closings Welcome

• Closing Cost Assistance:

  • True 0-Point Origination Options

  • Lender Credits Available

• Limited Documentation & Fast Closings:

  • Expedited underwriting with limited documentation

    • Subject property documentation only

    • Minimal REO documentation

  • Realistic closing in under 21 days, pending appraisal and borrower responsiveness

• Credit Requirements: 640 Minimum Credit Score