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COMMERCIAL REAL ESTATE SOLUTIONS

DSCR Rental Financing

Scale your real estate rental portfolio without relying on personal tax returns, W-2 income, or employment verification. Qualification is based directly on the property's cash flow, evaluating the Debt Service Coverage Ratio (DSCR) to deliver long-term, fixed-rate financing.

Get Qualified Program Parameters

Program Highlights

Min. DSCR 1.0x – 1.25x+
Max LTV Up to 80% LTV
Loan Amount $150K – $5M+
Term Options 30-Yr Fixed / ARM

No Personal Income Tax Verification

Bypass traditional debt-to-income (DTI) checks. No tax returns, W-2s, or pay stubs are required to qualify—underwriting focuses strictly on property cash flow.

Single Asset & Portfolio Loans

Finance individual residential properties or blanket multiple doors under a single loan structure for easier ongoing management and lower transaction costs.

No Cap on Total Properties

Unlike conventional agency mortgages that cap borrowers at 10 financed properties, DSCR loans allow real estate investors to expand without artificial limits.

Engineered for Real Estate Investors & Portfolio Builders

DSCR financing provides stable, long-term capital tailored for cash-flowing investment properties across both long-term and short-term rental strategies.

  • Long-Term Residential Rental Acquisitions (1-4 Units & Multifamily)
  • Short-Term & Vacation Rentals (Airbnb / VRBO AirDNA Projections)
  • Cash-Out Refinancing for BRRRR Exit Strategies
  • Consolidating Scattered-Site Portfolios Under Single LLC Entities

Submit Property Scenario

Complete the rental property details below for an instant DSCR calculation and term evaluation.

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