Residential Investment
DSCR Long-Term Rental Loans
Rental property financing qualified on the property's cash flow. No tax returns, no W-2s, no personal income docs.
Who this is for
Buy-and-hold investors expanding rental portfolios. BRRRR investors refinancing out of acquisition or rehab loans into long-term holds. Real estate professionals scaling beyond conventional 10-loan caps. Investors who self-employ or have complex tax returns that don't fit bank underwriting.
Typical loan structure
- Underwriting
- Based on the property's Debt Service Coverage Ratio (DSCR).
- Amortization
- Long-term amortization structures available, designed for hold strategies.
- Income docs
- None required for the borrower. Property rent and operating numbers drive qualification.
- Lien
- First lien on the property.
- Property types
- Single-family rentals, 1-to-4 unit rentals, small multifamily.
DSCR loans let you scale faster than conventional financing because we underwrite the property's rent against its debt service, not your W-2. If the deal cash-flows, we look at it.
Common use cases
- Buy-and-hold rental acquisitions
- BRRRR refinance out of bridge or fix & flip
- Portfolio expansion past conventional loan caps
- Long-term hold financing for stabilized rentals
- Self-employed investors who can't qualify on tax returns
- Refinancing high-interest rental debt into long-term DSCR