DSCR Loan
Flexible rental-property financing based on the property's cash flow—not your personal income. Great for purchase, renovation, refinance, or cash-out strategies.
Cross-Collateral allowed on 2 or more properties. Portfolio loans available on a case-by-case basis.
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Investor Advantages
Approval based on the Property Cashflow
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Interest Rate
Starts As Low As 5.99%
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Origination Points
Starts As Low As 1.5%
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Loan amount
$75K to 2 Million (up to 80% LTV)
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Min. FICO score
650*
✅ Pros
- →No personal income verification (no W2s, tax returns)
- →Qualifies based on rental income
- →30-year fixed options available
- →Ideal for scaling rental portfolios
- →Can close in LLC/business name
❌ Cons
- →Requires property to cash flow (DSCR ≥ ~1.0–1.25)
- →Higher rates than conventional loans
- →Larger down payment (usually 20–25%)
- →Prepayment penalties common (3–5 years)
- →Not ideal for heavy rehab projects
Best for:Buy-and-hold investors, long-term rentals, portfolio growth