DSCR Loans
Debt Service Coverage Ratio loans let real estate investors qualify based on the property's rental income rather than personal tax returns. Perfect for investors with complex income, LLCs, or growing portfolios who want speed and flexibility.
What's included
- No personal income verification or tax returns required
- Qualify on the property's DSCR (rent ÷ debt service)
- Available for individual LLCs, trusts, and corporations
- Cash-out refinance up to 75% LTV
- Loans from $300K to $3M+
- 30-year amortization with fixed or ARM options
Ideal for
- Investors buying or refinancing 1-4 unit rental properties
- Self-employed buyers with complex income
- Portfolio investors scaling through LLCs
The DSCR Loans process
A streamlined path from request to funding — built for speed and clarity.
Submit Request
Complete a quick loan request with property and deal details.
DSCR Review
We analyze rent comps and calculate the property's coverage ratio.
Term Sheet
Receive a clear term sheet within 24-48 hours.
Close & Fund
Appraisal, title, and funding in as few as 10 days.
Common questions
What DSCR do I need to qualify?
Most programs require a DSCR of 1.20 or higher, though options exist down to 1.0 depending on the property and loan structure.
Can I close in an LLC?
Yes. DSCR loans are designed for entity borrowing — LLCs, trusts, S-corps, and partnerships all qualify.
Is there a prepayment penalty?
Typically a 3-2-1 or 5-4-3-2-1 step-down prepayment structure; we'll tailor it to your strategy.