Loan Program

Financing Solutions for

Rental Property Investors.

Business-purpose financing that looks at the property’s income rather than your personal tax returns.

Program Overview

DSCR stands for debt service coverage ratio — a comparison of a property’s rental income to its financing costs. DSCR programs focus on that relationship rather than on the borrower’s personal income documentation.

This structure is often reviewed by investors who hold multiple properties or whose personal tax returns do not reflect the strength of the investment property itself.

Common Financing Use Cases

  • Purchasing or refinancing a long-term rental property
  • Investors who prefer not to document personal income in the traditional way
  • Portfolios where each property is evaluated on its own cash flow
  • Investors using an entity to hold rental property

Key Considerations

  • A DSCR ratio is calculated from the property’s income and financing costs
  • An appraisal and market rent analysis support the income picture
  • Entity structure and how title will be held are part of the review
  • Ratios, terms, and structures vary by program and are confirmed case by case

Talk through your project

Share the property, the numbers, and the plan. You’ll get a clear view
of what may be available for your scenario.


Start the application


Contact options

The process

A Clear Path for

Your Next Investment.

1

Select Your Loan Program

Choose the financing category that matches the project in front of you.
2

Share Your Project Details

Tell us about the property, the numbers, and the plan for the project.
3

Submit Your Request

Send your information through the application and receive a reference number.
4

Discuss Available Financing Options

Review what may be available for your scenario and what the next steps look like.

FAQs

DSCR Rental Loans FAQ

It compares what a property earns in rent to what it costs to finance. If the rent comfortably covers the financing costs, the ratio is higher.

DSCR programs are built around the property’s income rather than your personal tax returns, which is why they are used by investors with complex or write-down income.

The property’s income is supported by an appraisal that includes a market rent analysis, so the number reflects the property rather than the seller’s asking rent.

Many investors hold rental property in an entity. How title is held is reviewed as part of the file and confirmed for your specific structure.