24-Hour Term Sheets Available — Don't Let Your Deal Slip
Capital Partner Loans
No tax returns required

DSCR Rental Loans

Qualify on the property's income, not yours.

Our DSCR loan is built for buy-and-hold investors who want long-term rental financing without personal income underwriting. Great second-step offer after a bridge loan and the natural refinance path for BRRRR deals.

Rate Range

5.50% - 10.50%

Max LTV/LTC

Up to 85% LTV / 75% cash-out

Loan Term

30-year fixed

Min Loan

$75,000

Apply for a DSCR Rental LoanCall (843) 494-5234
Eligibility Requirements

Do You Qualify?

Minimum 640 credit score
No minimum DSCR on standard DSCR loans
1-10 unit non-owner-occupied investment property
Long-term rental, vacancy, and many STR scenarios supported
No personal income verification or tax returns required
Entities and partners welcomed
Real-World Scenario

How This Works in Practice

You are buying or refinancing a stabilized rental and want to qualify based on the property instead of your W-2 income. We package the deal and match it to our DSCR loan or the right DSCR partner for that scenario.

Ready to run the numbers on your deal?

Start Application
Frequently Asked Questions

DSCR Rental Loan FAQ

There is no minimum DSCR requirement. We consider both cash-flowing properties (DSCR above 1.0) and sub-1.0 properties. The deal is evaluated on the full picture — property type, location, borrower profile, and loan-to-value — not just a single ratio.

Yes. Cash-out refinance is available up to 75% LTV on DSCR loans. This is a common strategy for investors who want to pull equity from a stabilized rental to fund their next acquisition without selling.

No portfolio limit. DSCR loans are designed for investors with multiple properties. Unlike conventional financing, there is no 10-property cap. Each loan is evaluated on the individual property's performance.

No. DSCR loans are underwritten based on the property's gross rental income relative to its debt obligations. We never require W-2s, tax returns, or personal income verification for DSCR program qualification.

Single-family residences, 2-10 unit multifamily, condos (warrantable and non-warrantable), and townhomes. The property must be non-owner-occupied and used as an investment rental. Short-term rentals (Airbnb, VRBO) qualify under our STR program, which uses projected rental income via AirDNA.

Have 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