DSCR Loans

A Quick and Easy Way to Acquire More Rental Properties.

Expand Your Portfolio Now—No Limit on the Number of Financed Properties!

Our Debt-Service Coverage Ratio (DSCR) loan allows you to qualify for investment properties based on prospective monthly rental income.

  • No seasoning requirements for cash-out or rate-and-term refinances.
  • Competitive rates—no excessively high rates.
  • No limit on the number of financed properties.
  • No exclusions of vacant properties from refinancing.
  • No rejection of appraisal transfers.
  • No rate or pricing adjustments for cash-out with LTV ≤ 70%, condos, or units.
  • Qualify with just a 1.00 DSCR (no 1.15 or higher DSCR requirement)
  • No full amortization requirement—ARM qualifies at start payment, interest-only options available.
  • As little as 0 months of reserves (property cash flow used to qualify)
  • FICOs as low as 600.
  • No LTV restrictions on 2-4 unit properties
  • LTVs up to 80% (minimum 660 FICO)
  • No rate or pricing adjustments on cash-out, condos, or units.
  • Eligible for both short-term and long-term rentals, including Airbnb/VRBO income on refinances.
Begin Your Journey
Explore More