DSCR
DSCR loans for rental-property borrowers.
Long-term financing for landlords, vacation-rental owners, and portfolio borrowers that qualifies the property based on rental income.
DSCR terms at a glance
Best For
DSCR loans are meant for when your strategy is to hold a property long-term.
Qualify on the property's rental income instead of your personal income. Renovating first? Start with Fix & Flip, then refinance into DSCR Rental.
- Landlords buying or refinancing a single rental
- Portfolio investors financing multiple rental properties
- Vacation-rental owners financing an income property
- Individual or entity borrowers
Key Details
What matters before you apply.
We size your loan on the property's rental income, so the rent needs to cover the payment.
Rates and options
Rates start at 6.25%, with fixed-rate, interest-only, or adjustable options depending on the loan.
Single rentals or portfolios
Finance one property or an entire rental portfolio of SFR, 2–4 unit, condo, and PUD properties, with individual and entity borrowers both welcome.
Check your numbers
Use our DSCR calculator to see whether the rent covers the payment before you apply.
Before You Apply
Have these ready.
Your loan moves faster when we have the property's numbers up front.
- Monthly rent, taxes, insurance, and HOA dues
- Whether you're buying, refinancing, or taking cash out
- Property address, type, and purchase price or current value
Ready to apply for DSCR financing?
Start your application, or talk to us first if you have questions.