Single Property Rental Loans (DSCR)
Finance long-term income properties with DSCR-based qualification — no personal income docs required.
Loan Size
$75K – $2M
Term
Up to 30 years
Leverage
80% purchase / 75% cash-out
Qualification
DSCR-based
Overview
Our DSCR rental loans qualify on the property's cash flow, not your personal income. That means no tax returns, no W-2s, and no employment verification. Perfect for self-employed investors, high-net-worth borrowers, or anyone scaling a rental portfolio who wants permanent financing without the paperwork burden of conventional lending.
Scale Easily
No limit on the number of financed properties. Grow your rental portfolio as fast as you can find deals that cash flow.
Flexible Terms
Choose from 30-year fixed, adjustable rate, or interest-only options to match the cash flow profile of each property.
Cash-Out Available
Refinance existing rentals at up to 75% LTV and pull cash out to fund your next acquisition or renovation project.
Nationwide
Finance rental properties across 44 states and DC with a single lending partner. No geographic portfolio limits.
Instant Estimate
Planning estimate only. Final terms depend on experience, credit, and project metrics.
How It Works
Apply with Rental Details
Provide property information, current or projected rent, and basic borrower details. No tax returns or pay stubs needed.
Underwritten on DSCR
We evaluate whether the property's rental income covers the proposed debt service. If the ratio works, the loan moves forward.
Close with Long-Term Certainty
Lock in your rate, close the loan, and enjoy predictable payments for up to 30 years while your tenants build your equity.
Good Fit For
Buy-and-Hold Investors
Lock in long-term rates on cash-flowing rentals and build wealth through appreciation and principal paydown over decades.
Portfolio Builders
No cap on financed properties means you can keep acquiring and financing without hitting conventional loan limits.
Cash-Flow Focused
DSCR qualification ensures each property stands on its own merits — if the rent covers the debt, the deal works.
Key Details
- DSCR-based qualification — no personal income documentation
- Fixed rate and adjustable rate options available
- Interest-only payment option on select programs
- LLCs and entities welcome — vesting flexibility
- No limit on number of financed properties
- Cash-out refinance available up to 75% LTV
- Up to 30-year amortization for predictable payments
Eligible Property Types
Ideal Borrower
Buy-and-hold investors seeking long-term, permanent financing on cash-flowing rental properties. Ideal for self-employed borrowers, portfolio builders, and anyone who prefers to qualify on property income rather than personal tax returns.
Frequently Asked Questions
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