DSCR
DSCR loans for rental-property borrowers.
Purchase and refinance financing for landlords, vacation-rental owners, and portfolio borrowers when rental income supports the loan.
DSCR terms at a glance
Best For
Use DSCR when rental cash flow is the core story.
This program is built for long-term rental borrowers, not short-term transition or ground-up construction requests.
- Landlords and portfolio borrowers seeking purchase or refinance execution
- Vacation-rental owners who still need an income-property credit conversation
- Borrowers using individuals or business entities, depending on the structure
Key Details
What matters before you apply.
The goal is simple: help you see quickly whether this is the right page and what to have ready before you submit.
Rates and options
Rates start at 6.50%, with fixed-rate, interest-only, or adjustable options depending on the loan.
Property and borrower
SFR, 2-4 unit, condo, and PUD collateral, with individual and business-entity borrowers both supported.
Execution support
Use the calculator, help page, and tutorial to check the numbers before moving into the application.
Before You Apply
A few details matter below the headline terms.
The terms give you the quick read. These notes keep the next step clear.
- Use the DSCR calculator when you want a quick rent-to-payment check before you apply.
- Use the help or tutorial pages when the borrower needs a plain-language DSCR explanation.
- Move into the application once the property, borrower, and loan request are clear enough for review.
Ready to apply for DSCR financing?
When the property, borrower, and loan request are clear, start the application.