Portfolio builders
No cap on financed properties. Keep scaling past the 10-loan conventional limit.
Tell us about your deal in 60 seconds. Get a quote on what you could qualify for, then connect with a DSCR lender who can close it, in your name or your LLC.
Most DSCR loans close in three to four weeks from application.
Answer a few questions about the property and the deal. No credit pull, no documents.
We match you with a DSCR lender who reviews your scenario and sends rate, LTV and cash to close.
Appraisal with a rent schedule, title, then closing in your name or your LLC.
The debt service coverage ratio compares what the property earns to what it costs to own each month. If the rent covers the payment, the property qualifies on its own.
Example figures. Your actual ratio depends on your rate and the appraiser's rent schedule.
Typical guidelines in today's DSCR market. Your lender confirms exact terms for your scenario.
| Purchase LTV | Up to 80%Usually needs 700+ credit and 1.00+ DSCR |
|---|---|
| Cash-out refinance | Up to 75% LTVPull equity to fund your next acquisition |
| Minimum credit score | 620–660Higher scores get better pricing and leverage |
| Loan amounts | $100,000 – $3,000,000+ |
| Loan terms | 30-yr fixed, 5/6 & 7/6 ARM, interest-only optionsPrepayment penalty options from 0 to 5 years |
| Property types | 1–4 unit, condos, townhomes, 5–8 unit, short-term rentals |
| Vesting | Personal name or LLC / corporation |
| Reserves | Typically 3–6 months of payments |
If your tax returns show heavy write-offs, conventional underwriting penalizes you for investing the smart way.
No cap on financed properties. Keep scaling past the 10-loan conventional limit.
Business owners with complex returns qualify on the property's income alone.
Airbnb and VRBO income counted from booking history or a market projection.
Refinance out of hard money into long-term fixed debt once the rehab is done.
Three common DSCR deals, worked through at a 7.25% example rate.
Illustrative examples only, not actual borrowers. Figures are rounded.
A DSCR loan is a mortgage for investment property that qualifies you on the property's rental income instead of your personal income. The lender divides monthly rent by the monthly payment (principal, interest, taxes, insurance and HOA) to get the ratio.
Most lenders look for 1.00 or higher, meaning the rent covers the full payment. A ratio of 1.25 or more usually gets the best pricing and highest LTV. Some programs allow ratios below 1.00 with a larger down payment.
For a leased property, lenders use the current lease or the appraiser's market rent (Form 1007), often whichever is lower. Short-term rentals can use 12 months of booking history or a market projection.
No. Many DSCR programs accept first-time investors, sometimes with slightly lower max LTV or more reserves. Experienced investors often get better terms.
Yes. DSCR loans can close in an LLC or corporation. You'll usually sign a personal guarantee and provide the operating agreement and EIN.
Usually somewhat higher, since there's no income verification. Many investors accept that in exchange for no tax returns, no debt-to-income limit, no cap on financed properties and LLC vesting.
No. The quote form doesn't pull credit. Your lender will ask permission before running credit when you decide to apply.
No. DSCR loans are business-purpose loans for investment properties only. A home you live in needs a residential loan program.
60 seconds. No credit pull. A lender follows up the same business day.