DSCR Loans

DSCR Loans — Rental Financing Based on the Property, Not You

DSCR loans qualify on rental income. No tax returns, no W-2s, no limit on properties. 30-year fixed terms for investors who scale.

No income verification required
No limit on financed properties
Qualify on rental income, not personal DTI

$5M

Max Loan

85%

Max LTV

30-Yr

Terms

5.0 ★★★★★

Trust Index Verified

Simple Process

How It Works

From application to closing - straightforward, transparent, and built for investors.

Tell Us About the Property

Quick application with property details and rental income. No personal income docs needed. We just need the basics to start matching you with the right lender.

Get Your Term Sheet

We shop the market across our lender network and present your best options - rate, term, LTV, and closing costs - all laid out with full transparency.

Close and Fund

Choose your offer, complete the appraisal, and close in as little as 2-4 weeks. Your 30-year mortgage is locked in and the property is yours.

Pre-Qualified

Loan Amount

$264,000

DSCR Loan - Rental Property

Property Value $330,000

LTV 80%

Rate 7.0% Fixed

Monthly Payment $1,756

DSCR 1.25

Accept Term Sheet

DSCR Loan Programs

Built for Real Estate Investors

30-year rental property financing where the property qualifies itself. No income docs, no limits on how many you can hold.

Loan Amount

$50K – $5M

Per property, no limit on total portfolio

Loan Term

30-Year Fixed or ARM

Fixed or adjustable rate options

Closing Speed

2 – 4 Weeks

Faster than conventional lending

The Preferred Tool for Scaling Rental Portfolios

DSCR loans are how serious investors build wealth through real estate. No income documentation, no limit on properties, and 30-year terms that maximize cash flow. Whether you are buying your first rental or your twentieth, we match you to the right lender and program.

Understanding DSCR

What Is a DSCR Loan?

A DSCR loan is a long-term rental property mortgage where qualification is based on the property's rental income, not the borrower's personal income or tax returns. DSCR stands for Debt Service Coverage Ratio, which measures whether the property's rent covers the mortgage payment.

The formula is straightforward: Monthly Rent divided by Monthly Mortgage Payment equals your DSCR. If a property rents for $2,000 per month and the mortgage payment is $1,800, the DSCR is 1.11. Most programs require a minimum DSCR of 1.0, meaning the rent covers the payment.

These are fully amortized, 30-year fixed or adjustable-rate mortgages designed specifically for real estate investors building rental portfolios. Unlike conventional mortgages that cap at 10 financed properties and require full income verification, DSCR loans have no such limits - making them the preferred financing tool for investors scaling from 1 property to 5, 10, or 20+.

Key Advantages

No income verification - qualification based entirely on the property's rental income

No property limit - finance as many rental properties as you want, unlike conventional mortgages

Cash-out refinance available - pull equity from existing rentals to fund the next deal

Up to 85% LTV - as low as 15% down for strong credit profiles

BRRRR strategy exit - refinance completed flips into long-term rentals

Plan Your Investment

Estimate Your DSCR Loan Payment

Use the calculator to estimate your monthly mortgage payment, then see if you meet the baseline qualifications.

DSCR Loan Calculator

Estimate your 30-year mortgage payment based on property value, LTV, and rate.

Property Value $330,000

Loan-to-Value (LTV)

Interest Rate 7%

Monthly Mortgage Payment $1,756

Loan Amount $264,000

Total Interest Over 30 Years $368,039

Who Qualifies?

Baseline requirements for DSCR loan programs.

Credit Score

620+ (660+ practical minimum)

DSCR Ratio

1.0+ (rent covers mortgage)

Down Payment

15-25% on purchase

Property Type

Investment / Rental Only

No personal income documentation required. No tax returns, no W-2s. Qualification is based on the property's rental income covering the mortgage payment.

Strongest profiles: 720+ credit, DSCR of 1.25+, 25%+ down, strong cash reserves. These unlock the lowest rates and highest LTV.

Client Success Stories

Buy and Rent

First Rental Property Cash-Flowing in 30 Days

"I tried going through a conventional lender first. They wanted two years of tax returns and told me my write-offs killed my DTI. Huge Capital got it done with just the rent numbers."

A self-employed business owner purchased a single-family rental for $285,000. Because they write off most of their income, banks would not approve a conventional mortgage. We matched them with a DSCR lender - no income docs required. The property rents for $2,100/month with a $1,650 mortgage payment, creating immediate cash flow from day one.

Cash-Out Refinance

Pulled $80K in Equity to Fund the Next Deal

"I had all this equity just sitting there. Now it is working for me on two properties instead of one."

An investor had a rental property worth $420,000 with $180,000 remaining on the mortgage. We refinanced into a DSCR loan at 75% LTV, pulling out approximately $80,000 in cash. That cash became the down payment on their next rental. Two properties generating income instead of one, all from the equity they had already built.

BRRRR Strategy

From Flip to Rental - The BRRRR Exit

"The plan was always to hold this one. The DSCR loan was the last piece of the puzzle."

An investor completed a fix-and-flip rehab on a property purchased for $180,000. After $45,000 in renovations, the property appraised at $310,000. Instead of selling, they refinanced into a 30-year DSCR loan, recovered most of their capital, and now collect $2,400/month in rent against a $1,700 mortgage payment.

Portfolio Expansion

From 2 Properties to 7 in Under a Year

"The conventional mortgage limit was holding me back. DSCR changed everything."

An investor hit the conventional mortgage limit at 10 financed properties and could not get approved for more. We moved them to DSCR loans with no property limits. Over the next 11 months, they acquired five additional rental properties, each cash-flowing from the start. No income docs on any of them - just rent covering the payment.

Compare Your Options

DSCR vs. Other Real Estate Financing

Not sure if a DSCR loan is the right move? Here is how it compares to other real estate financing options we offer.

	DSCR Loan	Fix and Flip	New Construction	Conventional Mortgage
Amount	$50K – $5M	$100K – $5M+	$150K – $5M+	Up to $726K (conforming)
Term	30-year fixed or ARM	6 – 18 months	12 – 24 months	15 or 30 years
Income Docs	None required	None required	Varies	Full verification
Property Limit	Unlimited	Unlimited	Per project	Capped at 10
Qualification	Rental income (DSCR)	ARV + experience	Plans + experience	Personal DTI ratio
Best For	Buy-and-hold, cash-out refi, BRRRR exit, portfolio scaling	Buy, renovate, sell	Ground-up builds	Primary residence, first investment
		Learn More	Learn More

Common Questions

DSCR Loan FAQs

Straight answers for real estate investors.

What does DSCR mean and how is it calculated?+

DSCR stands for Debt Service Coverage Ratio. It measures whether the property's rental income covers the mortgage payment. The formula is: Monthly Rent / Monthly Mortgage Payment = DSCR. If a property rents for $2,000/month and the mortgage payment is $1,800/month, the DSCR is 1.11. Most programs require a minimum DSCR of 1.0 (rent covers the payment). Higher DSCR means better terms.

Do I need to show my personal income or tax returns?+

No. That is the biggest advantage of DSCR loans. Qualification is based on the property's rental income, not your personal income, W-2s, or tax returns. This makes DSCR loans ideal for self-employed borrowers, business owners who write off most of their income, and investors who want to scale without income documentation barriers.

How much do I need to put down?+

Most programs require 15-25% down on a purchase. The exact amount depends on your credit score, the DSCR ratio, and the property type. Cash-out refinances are available up to 75-80% LTV. Stronger credit profiles qualify for lower down payments.

Can I use a DSCR loan for a property I plan to rent on Airbnb?+

Some lenders accept short-term rental income (Airbnb, VRBO) for DSCR calculations. Qualification may require documented rental history or a market rent analysis. Not all lenders allow this, so we match you with programs that fit your rental strategy.

How many DSCR loans can I have at once?+

There is no standard limit. Many of our lender programs allow investors to hold multiple DSCR loans simultaneously. This is one of the primary advantages over conventional mortgages, which cap at 10 financed properties. DSCR is the preferred tool for scaling a rental portfolio.

What is the difference between a DSCR loan and a conventional investment mortgage?+

Conventional investment mortgages require full income documentation, tax returns, and count against your personal debt-to-income ratio. They are capped at 10 financed properties. DSCR loans require none of that. Qualification is based solely on the property's rental income. You can hold unlimited DSCR loans, making them the preferred financing tool for serious investors building portfolios.

DSCR Loans — Rental Financing Based on the Property, Not You

How It Works

Tell Us About the Property

Get Your Term Sheet

Close and Fund

Built for Real Estate Investors

Loan Amount

Loan Term

Closing Speed

The Preferred Tool for Scaling Rental Portfolios

What Is a DSCR Loan?

Key Advantages

Estimate Your DSCR Loan Payment

DSCR Loan Calculator

Who Qualifies?

First Rental Property Cash-Flowing in 30 Days

Pulled $80K in Equity to Fund the Next Deal

From Flip to Rental - The BRRRR Exit

From 2 Properties to 7 in Under a Year

DSCR vs. Other Real Estate Financing

DSCR Loan FAQs

Is a DSCR Loan Right For You?

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