DSCR Rental Loans
Long-term rental financing that qualifies on the property's cash flow — its rent covering the debt — not your tax returns or personal income.
Submit your dealHow it works
A DSCR (debt service coverage ratio) loan is qualified on the income the property produces: the rent measured against the loan payment, taxes, and insurance.
Because qualification is based on the property rather than your personal income documents, it suits investors and self-employed borrowers whose tax returns understate their real cash flow.
Long-term options (including 30-year structures) are available, and a DSCR loan is the common refinance that takes out a short-term bridge or fix-and-flip loan to hold a property as a rental.
Who it's for
- Buy-and-hold investors building a rental portfolio.
- Self-employed investors who do not show enough qualifying income on tax returns.
- BRRRR investors refinancing out of a short-term rehab or bridge loan.
DSCR Rental Loans — FAQ
What is a DSCR loan?
A DSCR loan is long-term rental financing qualified on the property's debt service coverage ratio — its rental income relative to the loan payment — rather than on your personal income.
Do I need to provide tax returns or income documents?
No. A DSCR loan qualifies on the rental income the property generates, so personal income documents and tax returns are generally not required.
What is the difference between a DSCR loan and a hard money loan?
Hard money is short-term financing for acquiring and renovating a property, underwritten on its value. A DSCR loan is long-term financing for a stabilized rental, qualified on its rental income. Many investors use hard money to buy and rehab, then refinance into a DSCR loan to hold.
Have a DSCR rental deal?
Submit the scenario and we'll review it, structure the financing, and connect you with the lending partner that fits.
Submit your deal