Lender program
DSCR Rental Loans
Long-term rental financing underwritten on the property's income, with 30- and 40-year terms available.
- Loan size$75K – $2.5M+
- Term30 or 40 years
- Rate typeFixed or adjustable
- Max leverageUp to 80%
How this program works
DSCR financing is for holding rather than flipping. The loan is underwritten principally on the property's own income rather than on the borrower's personal income documentation, which is what makes it workable for self-employed investors and for borrowers already holding several financed properties.
Both fixed and adjustable rate structures are available, with 30- and 40-year terms.
Requirements
What this program expects
- Fixed or adjustable rate structures available.
- Single family, condo, townhome and multifamily investment properties only.
- Appraisal and title search required.
- Liquidity equal to 10–20% down plus roughly six months of reserves.
- Higher credit scores earn the best pricing.
Good to know
Before you apply
Every deal gets a formal term sheet
The figures here are the lending source's published parameters. Your deal may carry additional stipulations, or additional flexibility. Those appear in the term sheet you would sign to move forward — that document, not this page, sets your terms.
The pre-loan application does the heavy lifting
It captures most of what a lending source needs to decide whether your deal fits their terms, so we are not going back and forth collecting pieces.
These are not traditional hard money terms
Our lending sources price on experience and credit rather than on collateral alone, and the rates reflect that. How this differs from hard money.
Run the numbers
See what your deal supports
Enter your purchase price, budget and projected value. The calculator shows your maximum loan, the cash you would need, and which limit is capping it.
Talk to us about your deal
Tell us the property, the plan and the timeline. We will tell you honestly whether we can help and what the realistic next step is.