Rental Loans That Qualify on the
1st Private Capital now offers DSCR loans nationwide. Long-term financing for rental properties, underwritten on the property's cash flow - not your tax returns.
The same direct, no-friction team behind our bridge loans now covers the long-term side of the deal - 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
Adding DSCR changes the math.
When the flip becomes a hold, most investors have to start over with a stranger. Now the long-term side runs through the same team as the bridge.
Acquire on our bridge, then line up the DSCR exit through the same team - no starting the file over.
Send the scenario and get a direct answer on whether DSCR fits - before you build a plan around it.
The property's rent and payment drive the qualification, not your personal income documentation.
Available across the country, subject to the property, underwriting, documentation, and applicable law.
Close in the LLC or entity you actually hold rentals in.
You talk to the team working your file, not a call center.
The full loop, one team.
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.
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.
Is DSCR new at 1st Private Capital?
Yes. We now offer DSCR rental loans nationwide alongside our hard money bridge loans - one team covering both the short-term and long-term sides of an investor's deal.
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.
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.