DSCR Loan Programs

Choose from our flexible DSCR loan programs designed for different investment strategies and property types. All programs feature no income verification and competitive rates.

No Income Verification
Fast 10-Day Approval
Up to 80% LTV
Multiple Property Types
Calculate Your Loan

Compare Loan Programs

Find the perfect DSCR loan program that matches your investment strategy and property portfolio.

Most Popular
Standard DSCR
Our most popular program for experienced investors
7.25%
Starting Rate
80%
Max LTV
1.2
Min DSCR
30 years
Max Term
$100K - $3M
Loan Range

Features

  • No income verification
  • Cash-out refinance available
  • Multiple property types
  • No seasoning requirements
  • Interest-only options

Requirements

  • Investment properties only
  • Minimum 1.2 DSCR
High LTV DSCR
Maximize leverage with higher loan-to-value ratios
7.50%
Starting Rate
85%
Max LTV
1.3
Min DSCR
30 years
Max Term
$150K - $2M
Loan Range

Features

  • Up to 85% LTV
  • No income verification
  • Fast approval process
  • Competitive rates
  • Flexible terms

Requirements

  • Higher DSCR required
  • Limited property types
Portfolio DSCR
Designed for investors with multiple properties
7.00%
Starting Rate
75%
Max LTV
1.25
Min DSCR
30 years
Max Term
$250K - $5M
Loan Range

Features

  • Portfolio pricing discounts
  • Cross-collateralization options
  • Bulk processing
  • Dedicated account manager
  • Priority processing

Requirements

  • Minimum 3 properties
  • Higher loan amounts

Property Types We Finance

Our DSCR loan programs support a wide range of investment property types, each with tailored terms and requirements.

Single Family Homes
1-4 unit residential properties including condos and townhomes
80%
Max LTV
1.2
Min DSCR
  • Most flexible terms
  • Fastest approval
  • Lowest rates available
Multi-Family
5+ unit apartment buildings and multi-family complexes
75%
Max LTV
1.25
Min DSCR
  • Portfolio pricing
  • Higher loan amounts
  • Commercial terms
Commercial
Office buildings, retail spaces, and mixed-use properties
70%
Max LTV
1.3
Min DSCR
  • Flexible amortization
  • Interest-only options
  • Custom terms
Land & Development
Raw land and development projects with income potential
65%
Max LTV
1.4
Min DSCR
  • Construction-to-perm
  • Phased funding
  • Specialized underwriting

Qualification Requirements

Understanding our requirements helps ensure a smooth application process and faster approval times.

Financial Requirements
  • Minimum DSCR of 1.2 (varies by program)
  • Down payment of 20-35% depending on LTV
  • 6 months of reserves (PITIA payments)
  • Minimum credit score of 620
  • No recent bankruptcies or foreclosures
Documentation Needed
  • Purchase contract or property appraisal
  • Rent roll or lease agreements
  • Property insurance quote
  • Property tax information
  • Bank statements (2 months)
Property Requirements
  • Investment property only (no owner-occupied)
  • Property must be in good condition
  • Clear title with no liens
  • Adequate rental income potential
  • Compliance with local zoning laws
Timeline & Process
  • Pre-qualification: Same day
  • Application processing: 3-5 days
  • Underwriting: 5-7 days
  • Closing: 10-15 days total
  • Rate lock available for 60 days