No minimum DSCR required
DSCR Rental Loans
Qualify on the property's income, not yours.
Debt Service Coverage Ratio loans for long-term rental properties. No W-2s, no tax returns — the property pays for itself.
Rate Range
From 5.75%
Max LTV/LTC
Up to 80% LTV
Loan Term
30-year fixed / ARM options
Min Loan
$75,000
Eligibility Requirements
Do You Qualify?
Minimum 640 credit score
No minimum DSCR — cash-flowing and sub-1.0 deals considered
Non-owner-occupied rental property
1–10 units (single-family, 2-4 unit, condo, townhome)
No income verification, no tax returns required
Real-World Scenario
How This Works in Practice
Your rental brings in $2,200/mo and the proposed PITIA is $1,700/mo — a DSCR of 1.29. No tax returns needed. We underwrite the deal, not your personal income. Even sub-1.0 DSCR scenarios are considered.
Ready to run the numbers on your deal?
Start ApplicationHave a DSCR Rental deal on your desk?
Submit your application in under 5 minutes. We review every deal personally and respond within 2 business hours.
Apply Now — It's Free