The DSCR Loan Program is ideal for investors who want to qualify based on their property’s income potential, not their personal income. It allows you to finance rental properties using the cash flow the property generates, making it a perfect fit for investors managing multiple units or short-term rentals (STRs).

Program Details:

Loan Amounts: $75,000 – $3,500,000 (Blanket loans up to $5,000,000)

Rates: Starting at 5.75%

Max LTV: 80% (Purchases or Rate-Term Refinances) 75% (Cash-Out Refinances)

Term: 30-Year Fixed | Partial Interest-Only Available

Qualifications:

No DTI (Debt-to-Income) requirement

No minimum DSCR required

No income documentation

No operating history required for short-term rentals Ideal

Use: Long-term rental purchases, portfolio refinances, and cash-flowing property expansions.

Benefits:

✅ Close faster with less documentation

✅ Keep personal income off the table

✅ Stable, long-term financing option

✅ Works for single-family, multifamily, and short-term rental investments

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