DSCR program guidelines
Property types we fund
From a single SFR rental to a small mixed-use building, our DSCR program is built for working investors who buy real assets — not paperwork.
- ✓Single-family rentals (SFR)
- ✓2–4 unit residential
- ✓Short-term rentals (Airbnb / VRBO)
- ✓Condos, condotels, PUDs
- ✓5–10 unit small multifamily
- ✓Mixed-use & small commercial
Built for portfolio builders
No W2 or tax returns
We qualify the property, not your personal income. No DTI hurdles.
Rented or vacant
Market-rent appraisal qualifies the deal even when the unit is empty at closing.
LLC-friendly
Close in your LLC or LP for asset protection and clean bookkeeping.
Unlimited properties
Scale your portfolio without Fannie/Freddie loan caps.
Cash-out for the next deal
Pull equity out at refi and redeploy it into your next acquisition.
Nationwide
All 50 states. One lender across your whole portfolio.
From quote to funded
Quick Quote
Send the address and target rent. Soft pull only.
Term Sheet
Initial pricing within 24 hours of the file.
Appraisal & Underwriting
We order appraisal on signed disclosures and underwrite in parallel.
Fund
Closing docs, wire, keys — typical close in 20 days.
Common questions
What is a DSCR loan?+
A Debt-Service Coverage Ratio loan qualifies the borrower based on the property's rental income vs. its monthly debt payment (principal, interest, taxes, insurance, HOA). If the rent covers the payment, the deal pencils — your W2 income doesn't matter.
How is DSCR calculated?+
DSCR = Gross Monthly Rent ÷ PITIA. A 1.0 DSCR means rent equals the payment. 1.25 means rent is 25% above the payment. We can lend down to 0.75 and offer no-ratio programs on stronger files.
Do you use actual rent or market rent?+
Both. If it's leased, we'll use the lower of in-place rent or market rent. If it's vacant, we use the appraiser's market-rent schedule (Form 1007 / 1025) so the deal can still close.
Can I close in an LLC?+
Yes — and we recommend it. DSCR loans are business-purpose, so we close in the entity that owns the asset.
Will this hit my personal credit?+
We pull a soft credit check up front for pricing. Hard pull only happens at full submission, and the loan itself reports to business credit, not consumer credit.
Ready to fund your next rental?
Get a real DSCR quote in 24 hours. No W2s. No tax returns. Just the property.