DSCR
DSCR loans for rental-property borrowers.
Purchase and refinance financing for landlords, vacation-rental owners, and portfolio borrowers when rental income drives the loan story.
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 structure
Rates start at 6.50%, with fixed-rate, interest-only, or adjustable structures depending on the file.
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 pressure-test the income story before moving into the full 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 and the submission clean.
- Use the DSCR calculator when you want a quick rent-to-payment check before intake.
- Use the help or tutorial pages when the borrower needs a plain-language DSCR explanation.
- Move into the application once the property, borrower, and requested structure are clear enough for real review.
Ready to apply for DSCR financing?
When the property, borrower, and requested structure are clear, start intake.