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DSCR Rental

Competitive and flexible DSCR rental loans to help investors tap into existing equity and build long-term rental portfolios. No personal income verification required.

DSCR Rental Loan Details

Term30 Years
Loan Amount$75K to $2.5M
LTVUp to 80%
LTV CashoutUp to 75%
Min DSCRAs Low as 0.75
Property TypesNon-Owner Occupied SFR, Condo, Townhome, 2–4 Plex, Multifamily Up to 9 Units, Short-Term Rentals OK
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Flexible Rental Property Financing - Based on Cash Flow, Not Income

Our DSCR Rental Loan is a 30-year financing solution designed for investors who want to build or expand a long-term rental portfolio without the complexity of income documentation. Qualification is based on the property's DSCR - the ratio of rental income to debt payments - not your personal tax returns.

With a minimum DSCR as low as 0.75, support for short-term rentals, and no cap on per-unit rent, our program gives you the flexibility to finance a wide range of rental strategies - from single-family holds to small multifamily portfolios to Airbnb investments.

Lock your rate for 30 days at application and close with certainty, knowing your terms won't change before funding.

Building a rental portfolio?

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LOAN HIGHLIGHTS

Key Features of Our DSCR Rental Loan

Free 30-Day Rate Lock

Up to $3.5M Loan Amount

No Max Per Unit Rent

Min DSCR as Low as 0.75

WHY Integrated Capital Solutions

Built for Buy-and-Hold Investors

01

No Income Verification

Qualify based on the property's cash flow (DSCR), not personal W-2s or tax returns.

02

Short-Term Rentals Welcome

Finance Airbnb and VRBO properties using projected short-term rental income.

03

Portfolio Lending

Bundle multiple rental properties into a single loan for simplified portfolio management.

04

30-Day Free Rate Lock

Lock your rate at application and close with certainty - no surprises at the table.

OUR PROCESS

From Application to Funding in Days

01

Apply Online

Submit your application with basic property details.

Get an Estimate
02

Get Pre-Approved

Quick approval process with minimal paperwork.

03

Receive Funding

Close deals fast with flexible financing.

04

Renovate & Sell

Improve the property and list it for profit.

FAQs

DSCR Rental Loan - Frequently Asked Questions

A DSCR (Debt Service Coverage Ratio) loan qualifies borrowers based on the rental income of the property rather than the borrower's personal income. If the property's rental income covers the debt payments, the borrower can qualify - making it ideal for investors with complex finances or growing portfolios.
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Proven Team. Trusted Lending Partner.

With extensive industry expertise and an unwavering commitment to service, our team has successfully partnered with thousands of experienced investors on projects nationwide.

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