DSCR Lending
DSCR Loans
Long-term financing based on property cash flow rather than personal income, designed for investors building and scaling rental portfolios.
When this path fits
When to Use This Loan
This financing structure relies on property cash flow rather than personal income for qualification. It is commonly used for both stabilized long-term rentals and qualifying short-term rental properties.
Acquire a Long-Term Rental
A fit for investors purchasing properties intended to generate steady, ongoing rental income.
Refinance into a Cash-Flow-Based Structure
Useful when a property is ready to transition into financing based primarily on income performance.
Scale a Rental Portfolio
DSCR financing is often used by investors who prefer underwriting based on property performance rather than personal income documentation.
Evaluate a Short-Term Rental Scenario
Some vacation or short-term rental properties may qualify, depending on the asset, market, and overall investment strategy.
Our Lending Approach
We evaluate current or projected rental income against the property's debt service. This approach reduces reliance on traditional personal income verification and keeps the focus on investment performance.
Cash-Flow-Centered Review
Underwriting is based on property economics and rental income performance, rather than personal income or owner-occupied qualification standards.
Built for Investor Use Cases
DSCR financing is designed for investors acquiring, holding, or repositioning income-producing properties.
Works for Purchases and Refinances
DSCR loans are commonly used for new acquisitions as well as refinances out of less efficient or short-term financing structures.
Direct Lender Communication
Borrowers and brokers benefit from working directly with the lending team reviewing the deal, enabling faster feedback and clearer alignment.
Strong Fit
- Rental acquisitions intended for a long-term hold strategy
- Refinances aligned with ongoing investor ownership
- Properties with established income history or a clear rental plan for evaluation
- Broker-submitted investor files requiring direct lender feedback on eligibility and fit
Another Path May Make More Sense
- The property requires significant renovation before a long-term rental structure is viable
- The business plan is focused on a quick resale rather than a hold strategy
- The property is owner-occupied or intended for personal use
- The financing need is better suited for construction or short-term bridge financing
FAQs
Questions investors and brokers commonly ask before moving a DSCR request forward.
Discuss Your DSCR Deal
Share the property location and current or projected rental income. We'll evaluate the scenario to determine whether a cash-flow-based structure is the right fit.