Our Long-Term DSCR Rental Loans are designed for real estate investors who prefer financing based on rental income from the property—not personal income. These loans are based on the property's Debt Service Coverage Ratio (DSCR), making them ideal for growing your portfolio.

With our streamlined application process, you’ll avoid excessive paperwork and enjoy faster closings compared to traditional financing.

We offer 30-year fixed-rate terms, along with flexible options like interest-only payments.

You can access up to 80% financing for purchases and up to 75% of property value for cash-out refinances, giving you the financial flexibility to scale your investments with confidence.

Discover how our Long-Term DSCR Rental Loan program can help you purchase new properties or unlock equity in your residential portfolio.

Long Term DSCR Rental Loan Criteria

  
  Loan Program Table
  
      Property Type
      LTV
      Loan Term
      Loan Amount
      Amortization Options
      Minimum Credit Score
      Minimum DSCR
      Rates
    
      Non-Owner Occupied 1-4 Family Residential, Condo, Townhome & 5+ Unit Multifamily
      
        Purchase: Up to 80% of the lower of Cost or As-Is Value

        Refinance: Up to 80% of the As-Is Value

        Cash-Out: Up to 75% of the As-Is Value
      
      30 Years
      $125k – $2.5M
      30-Year Fixed, Hybrid ARMs (5/1, 10/1) & Interest-Only Options Available
      660 FICO
      0.80x
      Starting at 6.25%