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Long-Term Financing
DSCR Loans - Debt Service Coverage Ratio Loans
Long-term financing for rental property investors. Finance a Single Investment Property or Portfolio for new Purchase, Refinance rate and term or take cash out.
No personal income verification
Purchase, refinance, or cash-out
Up to 80% LTV
STR and LTR Considered
Interest-only available
Foreign nationals eligible
Debt Service Coverage Ratio ( DSCR ) Program Highlights
Loan Amounts$100K - $3.5M
Min. DSCRAs low as 0.50
Loan Terms15, 30, 40-Year
Property TypesSFR, Condo, Townhomes, 2-4, 5-9
Foreign NationalsEligible ✓
Program Details
Choose a Debt Service Coverage Ratio ( DSCR ) Program
We offer multiple DSCR ( Debt Service Coverage Ratio ) programs to fit any investment strategy and property type.
Professional Investor - Multifamily / Mixed-Use Program - Debt Service Coverage Ratio ( DSCR ) Program
Loan TypeBusiness Purpose DSCR (Non-Owner Occupied)
Eligible Collateral5-10 Units; 2-8 Units Mixed-Use (exceptions: > 2 acres; rural)
Loan Amount$400k - $3M
Loan Term15, 30-Yr Fixed; 30-Yr IO; 5, 7, 10-Yr ARM; 5, 7, 10-Yr ARM IO (30-Yr)
Loan PurposePurchase, Rate/Term Refinance, Cash-Out Refinance
Ineligible StatesIL, NY, NV, ND, SD, VT (AK & HI considered on an exception basis)
Minimum DSCR1.10
Reserve Requirement6 - 12 months, see matrix for details (cash out may NOT be used for reserves)
Housing History0x30x24
Short-Term RentalNot Permitted
Professional Investor - Blanket Loan Program - Debt Service Coverage Ratio ( DSCR ) Program
Loan TypeBusiness Purpose DSCR (Non-Owner Occupied)
Eligible Collateral1-4 Unit, Condo, Condotel (exceptions: > 2 acres; rural)
Loan Amount$400k - $3M
Loan TermFixed: 15, 30 yrs; ARM: 5/6, 7/6, 10/6
Loan PurposePurchase, Rate/Term Refinance, Cash-Out Refinance
Ineligible StatesNV, ND, SD, VT (AK & HI considered on an exception basis); IL, NY: 2-4 Units Ineligible
Minimum DSCRMin. Property DSCR: ≥ 1.0 full AM or ≥ 1.2 I/O
Reserve Requirement2 - 12 months, see matrix for details (cash out may be used for reserves)
Housing History0x60x12
Short-Term RentalNot Permitted
Cash Flow Advantage Program - Debt Service Coverage Ratio ( DSCR ) Program
Loan TypeBusiness Purpose DSCR (Non-Owner Occupied)
Eligible CollateralSFR, 1-4 Units, PUD, Condo, Non-Warrantable Condo, Rural (Inquire about eligibility for DSCR up to 10 acres)
Loan Amount$500k - $2M
Loan Term30-Yr Fixed; IO (10-Yr IO, 20-Yr full AM); 40-Yr Fixed IO (10-Yr IO, 30-Yr full AM)
Loan PurposePurchase, Rate/Term Refinance, Cash-Out Refinance
Ineligible StatesNV, ND, SD, VT (AK & HI considered on an exception basis)
Minimum DSCR1.00 Purchase, R/T; 1.10 Cash Out
Reserve Requirement3 - 12 months, see matrix for details (cash out may be used for reserves)
Housing History0x30x12
Investor Advantage Program - Debt Service Coverage Ratio ( DSCR ) Program
Loan TypeBusiness Purpose DSCR (Non-Owner Occupied)
Eligible CollateralSFR, 1-4 Units, PUD, Condo, Non-Warrantable Condo, Condotel, Rural (Inquire about eligibility for DSCR up to 20 acres)
Loan Amount$150k - $3.5M
Loan TermFixed Rate: 30, 40-Yr (IO Only); ARM: 5/6, 7/6
Loan PurposePurchase, Rate/Term Refinance, Cash-Out Refinance
Ineligible StatesNV, ND, SD, VT (AK & HI considered on an exception basis)
Minimum DSCR0.50 (see guidelines for details)
Reserve Requirement3 - 12 months, see matrix for details (cash out may be used for reserves)
Eligible Borrowers/GuarantorsUS Citizen, Permanent Resident, Non-Permanent Resident (75/70: PRT/CO), Foreign National
Ready to Get Started On Debt Service Coverage Ratio ( DSCR ) Loans?
Connect with one of our DSCR ( Debt Service Coverage Ratio ) specialists today and get a personalized quote.
Frequently Asked Questions
What Are DSCR Loans and How Do They Work?
DSCR Loan Requirements for Real Estate Investors
How to Qualify for a DSCR Loan
DSCR Loans vs Conventional Investment Property Loans
Benefits of Using a DSCR Loan for Rental Properties
DSCR Loan Down Payment Requirements
How DSCR Loans Calculate Rental Income
Best DSCR Loan Programs for Investors
DSCR Loan Interest Rates Explained
DSCR Loans for First-Time Real Estate Investors
Can You Get a DSCR Loan with No Tax Returns?
DSCR Loan Credit Score Requirements
How Much Can You Borrow with a DSCR Loan?
DSCR Loans for Single-Family Rental Properties
DSCR Loans for Multifamily Investment Properties
DSCR Loan Closing Costs Explained
What Is a Good DSCR Ratio for a DSCR Loan?
DSCR Loan vs Bank Statement Loan
DSCR Loans for Airbnb and Short-Term Rentals
How Fast Can You Close a DSCR Loan?
DSCR Loan Reserve Requirements
DSCR Loans for LLC Property Purchases
Can Foreign Nationals Get DSCR Loans?
DSCR Loan Cash-Out Refinance Guide
DSCR Loan Rate Buydowns Explained
Fixed vs Adjustable DSCR Loans
How to Improve Your DSCR Loan Approval Chances
DSCR Loans for Portfolio Investors
Common Reasons DSCR Loans Are Denied
DSCR Loan Documentation Checklist
DSCR Loans for Self-Employed Borrowers
Can You Finance Multiple Properties with DSCR Loans?
DSCR Loan Appraisal Process
DSCR Loans for Condos
DSCR Loans for Townhomes
DSCR Loans for Mixed-Use Properties
DSCR Loans for Vacation Rental Investments
DSCR Loan Occupancy Rules
How Rental Income Affects DSCR Loans
DSCR Loan Loan-to-Value (LTV) Limits
DSCR Loan Pre-Approval Process
How to Compare DSCR Loan Lenders
DSCR Loan Fees You Should Know
DSCR Loans for Real Estate Partnerships
DSCR Loans for Repeat Investors
Can You Refinance into a DSCR Loan?
DSCR Loans for Long-Term Rental Properties
DSCR Loan Property Eligibility Guide
DSCR Loans for New Investors
DSCR Loan Myths and Facts
Understanding DSCR Loan Underwriting
DSCR Loan Income Calculation Examples
Can You Use Gift Funds with a DSCR Loan?
DSCR Loans with Interest-Only Options
DSCR Loan Escrow Requirements
DSCR Loans vs Hard Money Loans
DSCR Loans vs FHA Investment Financing
DSCR Loans vs Commercial Loans
How DSCR Loans Help Build a Rental Portfolio
DSCR Loan Exit Strategies
DSCR Loans for Duplexes
DSCR Loans for Triplexes
DSCR Loans for Fourplexes
DSCR Loans for Apartment Buildings
DSCR Loan Occupancy and Vacancy Considerations
Can You Use a DSCR Loan to Buy Investment Property?
DSCR Loan Refinance vs Cash-Out Refinance
DSCR Loan Amortization Options
DSCR Loan Term Lengths Explained
DSCR Loan Prepayment Penalties
DSCR Loan Mortgage Insurance Requirements
DSCR Loans in High-Cost Markets
DSCR Loans for Out-of-State Investors
DSCR Loan Property Cash Flow Analysis
DSCR Loan Rent Schedule Requirements
DSCR Loans for Portfolio Expansion
DSCR Loan Financing for BRRRR Investors
DSCR Loans for Buy-and-Hold Strategies
DSCR Loan Financing for Fix-and-Hold Properties
DSCR Loan FAQs Every Investor Should Know
DSCR Loan Guidelines by Property Type
DSCR Loans for Seasonal Rental Properties
DSCR Loan Closing Timeline
DSCR Loan Rate Lock Options
DSCR Loans with No Employment Verification
DSCR Loan vs Debt-to-Income Loan Qualification
DSCR Loan Lending Limits
DSCR Loan Property Inspection Requirements
DSCR Loans for High-Net-Worth Investors
DSCR Loan Strategies to Maximize Cash Flow
DSCR Loans for Growing a Real Estate Business
How to Choose the Best DSCR Loan Program
DSCR Loans and Rental Property Appreciation
DSCR Loan Trends for Real Estate Investors
The Complete Guide to DSCR Loans
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State-specific notes on investor programs and availability. Visit a state page for more detail.