DSCR financing
Qualify on cash flow, not paperwork.
Rental and portfolio loans underwritten on what the property earns — no tax returns, no W-2s, no personal income questions.
Terms at a glance
Loan amounts
$150K – $10M
Leverage
Up to 75% LTV
Term
30-year amortization
Qualification
Property DSCR, not personal income
Ownership
Vest in your LLC
Eligible properties
1 – 4 unit and small multifamily
Built for buy-and-hold investors
Whether it's your first rental or your fortieth door, the math works the same way.
Purchase a rental
Buy a cash-flowing property with a loan sized on its rent coverage — your tax return stays out of it.
Refinance out of a flip
Take a completed rehab out of short-term capital into 30-year amortized debt at the new valuation.
Pull cash out
Tap equity in an appreciated portfolio property to fund the next acquisition.
Scale a portfolio
Multiple closings on parallel track — DSCR lending doesn't hit a personal DTI ceiling the way consumer loans do.
How the math works
Debt Service Coverage Ratio is the relationship between what the property earns and what the loan costs each month. If the rent covers the payment with room to spare, the loan qualifies — that's the whole test.
We use market rent or in-place leases to establish coverage. A property that supports its own debt stands on its own numbers, which is why there are no tax returns, W-2s, or employment questions in the file.
Because qualification lives in the property rather than your balance sheet, investors scale past the limits that conventional consumer mortgages impose — door after door, on the same terms.
Common questions
Have a rental in your sights?
Send the address, the rent roll, and your plan. We'll size the loan on what the property earns and show you the terms in plain English.