Long-term financing for rental investors, underwritten on the property’s cash flow. No tax returns, no W-2s, no personal income qualification. Close in your LLC and scale your rental portfolio.
A DSCR loan qualifies on the property’s debt-service coverage ratio: gross rents divided by the monthly payment (PITIA). If the property covers itself, you qualify. Your personal income and employment never enter the equation.
Finishing a flip and keeping it? Pair a DSCR exit with our Fix & Flip program for a full BRRRR cycle.
Gross monthly rent (from your lease or the appraiser’s market-rent schedule) divided by the full monthly payment: principal, interest, taxes, insurance, and association dues. A ratio of 1.00 means the property pays for itself.
| Minimum DSCR | 1.00 |
| Loans under $150K | 1.50 DSCR |
| Rent documentation | Lease or market-rent schedule |
| Vacant on purchase | Eligible at market rents |
Experienced investors (a year of owning or managing rental property within the last three) get the program’s full range. Newer investors are welcome with modest overlays.
| Experienced investor | Credit from 600 |
| First-time investor | 680+ · max 75% LTV |
| First-time cash-out | Not eligible |
| Foreign nationals | Eligible · dedicated program |
Qualify short-term rental properties using twelve months of documented rental deposits, third-party management statements, or market data reports, so your STR portfolio can grow on its actual performance.
Non-owner-occupied investment property only, up to 2 acres. Rural properties are not eligible. Tenants must be unaffiliated with the borrower.
Send the address, rents, and your target loan. We size the DSCR and structure options.
Lease agreements or the appraiser’s market-rent schedule establish qualifying income.
Business-purpose documentation with no PMI and no personal income file.
Long-term fixed or ARM financing while the property carries itself.
A rental-property loan qualified on the property’s debt-service coverage ratio (gross rents divided by the full monthly payment, or PITIA) instead of your personal income. No tax returns, W-2s, or employment verification.
A ratio of 1.00 or higher, meaning the property’s rent covers its payment. Smaller loans under $150,000 require a 1.50 ratio. Your advisor can structure the loan amount and product to hit the target ratio.
30-year fixed, 40-year fixed with a 10-year interest-only period, and 5/6, 7/6, and 10/6 adjustable-rate options, with interest-only variants. No private mortgage insurance on any structure.
Yes. On purchases, vacant or unleased properties qualify at the appraiser’s market rents with no LTV restriction. On refinances, vacant properties take a modest 5% LTV reduction with a brief explanation.
Yes. Airbnb, VRBO, and similar properties can qualify using twelve months of documented deposits, management-service statements, or market data reports, with a small leverage adjustment.
Yes. DSCR loans are business-purpose and close with a commercial-style document set, so vesting in your LLC or corporation is standard.
Yes. First-time investors qualify with a 680+ credit score at up to 75% LTV on purchases and rate-and-term refinances, provided you’ve owned property in the last few years. Cash-out requires investor experience.
Yes, under a dedicated foreign-national program with additional reserve requirements and documentation. Ask your advisor about qualifying with foreign credit and income.
Get a DSCR quote structured on your property’s cash flow, not your tax returns.