Explore flexible financing options for rental property purchases, refinances, cash-out opportunities, short-term rentals, and investor portfolio growth.
DSCR financing can help qualified investors focus less on traditional income documentation and more on the income potential of the property.
A DSCR loan is an investment property loan that uses the property’s rental income to help determine whether the property can support the proposed mortgage payment.
In simple terms, DSCR compares a property’s gross rental income to its housing payment, often including principal, interest, taxes, insurance, and association dues when applicable.
Because the focus is on the property’s cash flow, DSCR loans are popular with investors, landlords, self-employed borrowers, and portfolio property owners.
Every investment property is different. These options are designed to help match the loan structure to the property, cash flow, equity position, and investor strategy.
A flexible option for investors purchasing or refinancing rental properties, including certain 1-4 unit properties and condominiums.
For investors who want to access equity from an investment property and use funds for reserves, future acquisitions, improvements, or other eligible purposes.
A possible fit when the property or scenario does not meet a traditional DSCR structure, but still fits investor-property guidelines.
For lower-ratio DSCR scenarios, this option may combine rental income with eligible assets to support qualification.
For investors looking beyond a traditional 1-4 unit property, select residential 5-8 unit properties may be eligible.
If you are unsure which DSCR path fits, start with the property basics. We can review the property type, expected rent, loan purpose, timeline, and investment strategy.
DSCR financing is built for investment-property scenarios where rental income, property value, and investor goals matter.
Use projected or existing rental income to help support the financing review for a long-term rental or eligible short-term rental.
Review options for a rate-and-term refinance or restructure an existing investor loan based on the rental property’s cash flow.
Qualified investors may be able to access equity from an existing rental property for reserves, portfolio growth, or other eligible uses.
Quick answers for investors exploring rental property financing.
No. DSCR loans are generally designed for non-owner-occupied investment properties, not primary residences.
Many DSCR programs focus on the rental property’s income instead of traditional employment income, but documentation requirements vary by program and investor guideline.
Short-term rentals such as Airbnb or VRBO may be eligible under certain DSCR programs, but restrictions, LTV limits, and property requirements can apply.
Some investors may still have options, such as low-ratio, no-ratio, or asset-assisted DSCR programs, depending on the full scenario.
