DSCR financing is designed for real estate investors purchasing or refinancing income-producing rental property, with qualification focused primarily on property cash flow rather than traditional personal-income underwriting.
Discuss a DSCR Scenario →Debt Service Coverage Ratio compares qualifying property income with required debt payments. Program requirements vary, but the property's rent and operating assumptions are central to underwriting.
Long-term financing for qualifying investment property acquisitions.
Replace qualifying existing debt with a longer-term investment property structure.
Access qualifying equity in stabilized rental properties for business-purpose uses.
Potential permanent financing after acquisition, renovation, stabilization, and lease-up.
Structures designed for investors continuing to acquire and hold rental real estate.
Selected programs may offer lower-DSCR or no-ratio options when the overall scenario qualifies.
Qualification may rely more heavily on rent and property economics than W-2 employment income.
Thirty-year fixed or hybrid structures may be available depending on lender and program.
Qualifying scenarios may reach approximately 80% LTV, with lower limits typically applying to cash-out.
Both newer and experienced investors may be considered depending on lender guidelines.
Selected programs may consider foreign investors using appropriate U.S. ownership structures.
Prepayment structures are common in DSCR lending and vary significantly by program.
Address, purchase or refinance goal, requested financing, and rent.
Review rent support and required DSCR for available programs.
Complete property, entity, borrower, appraisal, title, and lender conditions.
Qualified transactions proceed to final approval and closing.
Send the property address, rent, value or purchase price, requested financing, and closing timeline.
Submit DSCR Inquiry →DSCR programs and terms vary by lender. Financing remains subject to underwriting, approval, appraisal, rent validation, property eligibility, credit requirements, and other lender conditions.
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