DSCR Rental Financing

DSCR Rental Property Loans

30-year financing based on rental income, not personal income. No tax returns required. Perfect for building your rental portfolio.

Apply Now
View Terms
Exterior view of modern apartment building offering luxury rental units in Silicon Valley; Sunnyvale, San Francisco bay area, California

Up to 80% LTV

Maximum leverage available

No Tax Returns

Income-based qualification

30-Year Terms

Fixed & ARM options

No Experience

First-time investors OK

Loan Terms & Guidelines

Term

30 years

Rate Types

Fixed and ARM options available

Maximum LTV

80% on purchase & rate-term
75% on cash-out

Loan Amount

$75,000 - $2,000,000

Minimum FICO

660

Minimum DSCR

1.05x Debt Service Coverage Ratio

Recourse

Full Recourse only

Borrower Type

Entity required

Amortization

Fully amortizing and Partial Interest Only options

Seasoning

90 days to use value vs cost basis

Foreign Nationals

65% LTV maximum

Vacancy Maximum

Purchases vacant OK & 1 unit on 2-4 unit refinance

Eligible Property Types

Single Family (SFR)
2-4 Unit Properties
Warrantable Condos
Townhomes
PUD

Ready to Build Your Rental Portfolio?

Apply Now