Long-term rental
Long-term rental financing when the hold is the point.
If you are buying or refinancing a property to keep it rented, this is DSCR — cash-flow lending for landlords, vacation rentals, and portfolio borrowers.
Rental terms follow the DSCR program.
Best For
Use this page for holds, not transitions.
Long-term rental is the spoken name for DSCR. It is not a construction loan and it is not a flip.
- Landlords buying a rental whose rent supports the payment
- Vacation-rental owners who still need an income-property credit conversation
- Borrowers refinancing a rental they intend to keep
How this maps
There is no separate long-term-rental product.
The public term sheet, calculator, and application are the DSCR program.
Same DSCR terms
Rates start at 6.50%. Loan amounts, LTV, and coverage rules are the DSCR sheet — not a lighter rental variant.
Calculator
Check rent against payment on the DSCR calculator before you apply.
Wrong door
Ground-up builds belong on construction. Short-term renovate-and-sell belongs on fix & flip.
Before You Apply
Bring the rent story, not a personal-income story.
DSCR reviews the property's ability to cover the payment.
- Have monthly rent, taxes, insurance, and HOA ready.
- Use the DSCR program page for the full term glance.
- Choose refinance or cash-out on the apply form if this is not a purchase.
Ready to finance a rental hold?
Start the application when the property, rent, and loan request are clear enough for review.