Rental Loans That Qualify on the
Nationwide DSCR rental loans - long-term, fixed-rate financing for rental properties, underwritten on the property's cash flow, not your tax returns.
Bridge is how you get into the property. DSCR is how you keep it. They are the two core products behind every portfolio we help build - one point of contact from acquisition to hold.
The property pays. The ratio proves it.
DSCR stands for debt service coverage ratio: the property's monthly rent measured against its monthly payment - principal, interest, taxes, insurance, and any association dues. When the rent covers the payment, the property carries the loan.
That is the qualification. No tax returns, no W-2s, no debt-to-income puzzle built on your personal finances. A DSCR loan reads the asset the way an investor does - as a business that produces income.
Run your own numbers live in the free DSCR Calculator before you send us the deal.
- Above 1.0 - the rent more than covers the payment
- At 1.0 - the property breaks even
- Below 1.0 - the payment exceeds the rent
Financing you can keep.
When the flip becomes a hold, most investors have to start over with a stranger. Here the long-term side runs through the same team as the bridge - and the loan is built to stay in place for as long as you own the property.
The property's rent and payment drive the qualification, not your personal income documentation.
Long-term financing built for a long-term hold - no balloon waiting at the end of a short fuse.
Finance a single property, or place several stabilized rentals under one loan and one payment.
Single-family rentals, condos, townhomes, 2-4 units, and small multifamily of 5 to 10 units. Ask us about larger assets.
Close in the LLC or entity you actually hold rentals in.
Acquire on our bridge, then line up the DSCR exit through the same team - no starting the file over.
Available across the country, subject to the property, underwriting, documentation, and applicable law.
Two products, one loop. Rinse and repeat.
Bridge to acquire. DSCR to hold. Run the sequence once and you own a rental. Run it again and again and you are building a portfolio - with one partner the whole way.
Renovate, lease, and get the rent flowing while the bridge carries the project.
Exit the bridge into long-term financing qualified on the property's own cash flow.
Keep the rental, recycle your capital, and move to the next deal - with the same team.
Built for the buy-and-hold playbook.
A cash-flowing property you intend to hold, financed on what it earns.
The renovation is done and the tenant is in. Refinance the short-term debt into a long-term hold.
Unlock equity from a performing property to fund the next acquisition.
Each property qualifies on its own cash flow - so a growing portfolio does not collide with a personal debt-to-income ceiling. Several stabilized rentals can also be placed under one portfolio loan.
Self-employed investors and full-time operators whose tax returns understate what they actually control.
The rent, the payment, the property.
Send the basics and we respond with terms and next steps. Every DSCR loan is structured around the actual deal - no published rate sheet or rigid online guideline replaces a review of the real numbers.
- Property address
- Monthly rent - in place or expected
- Annual taxes, insurance, and any HOA dues
- Requested loan amount
- Purchase price or current value
- Existing debt
- Borrowing entity and contact information
DSCR, answered straight.
What is a DSCR loan?
A DSCR loan is long-term financing for a rental property that qualifies on the property's cash flow instead of the borrower's personal income. DSCR stands for debt service coverage ratio - the monthly rent divided by the monthly payment (principal, interest, taxes, insurance, and association dues). When the rent covers the payment, the property supports the loan.
How is DSCR calculated?
Divide the property's monthly rental income by its full monthly payment - principal, interest, taxes, insurance, and any HOA dues (PITIA). A ratio above 1.0 means the rent more than covers the payment; below 1.0 means it does not. You can run your own numbers in our free DSCR Calculator.
Do you verify my personal income?
DSCR qualification is built on the property's income, not yours - no tax returns or W-2s drive the decision. Underwriting still reviews the full transaction, including credit, experience, and the property itself.
How does DSCR fit with your bridge loans?
They are our two core products, built to run in sequence. The bridge loan gets you into the property with the speed and certainty of cash; the DSCR loan lets you keep it for the long term on the property's own cash flow. One team covers both sides of the deal.
What terms do DSCR loans carry?
DSCR loans are 30-year, fixed-rate, fully amortizing loans - long-term financing for a long-term hold. Rate, points, and prepayment terms are quoted per file with the term sheet; nothing is published as a rate sheet.
Can I finance more than one rental under a single loan?
Yes. A portfolio DSCR loan places two or more stabilized rentals under one loan and one payment - useful for consolidating scattered doors or pulling a group of properties off short-term debt in a single closing.
How fast will I get terms on a DSCR loan?
DSCR requests take longer than our same-day bridge term sheets. Send the rent, the carrying costs, and the property details, and we respond with terms and next steps after reviewing the file.
Can I refinance my hard money or bridge loan into a DSCR loan?
Yes. Acquire and renovate on our bridge loan, lease the property, then work with the same team to refinance into long-term DSCR financing.
Where do you offer DSCR loans?
Nationwide. Availability remains subject to the property, underwriting, documentation, and applicable law. See every state on the Where We Lend page.
What properties are eligible for a DSCR loan?
Rental real estate held for investment - single-family rentals, multifamily, mixed-use, and other income-producing property. Loans are for business purposes only, and eligibility is determined by the use of proceeds and the property. Ask us about your specific property.
Can I close in an LLC?
Yes. DSCR loans are designed for investors who hold rentals in an entity. Send the borrowing entity's information with the request and we structure around it.
Do you work with brokers on DSCR loans?
Yes. Brokers get fast scenario reviews and a straight answer on whether a deal fits - on DSCR and bridge alike. Visit the Partners page to get started.
Let the Property Qualify.
Send the rent, the payment, and the address. We will respond with terms and next steps.