← DSCR Rental Loans
DSCR Financing For Investors Who Hold.
Qualify on the property's cash flow, not your tax returns. Purchase, refinance, cash-out, portfolio, and short-term rental.
Who this is for
Perfect for
- Buy-and-hold investors
- BRRRR refis
- Short-term rental operators
- Portfolio scalers
- First-time rental buyers
Available programs
Structures we cover
PurchaseRate/Term RefinanceCash OutMixed UseShort Term RentalPortfolio DSCRFirst Time Investors
Typical Terms
The numbers, on one page.
Indicative ranges. Final terms depend on the deal, the sponsor, and the structure.
Real Problems · Creative Solutions
The reasons deals get declined — and how we solve them.
Common Problems
- Tax returns show too little income
- Seasoning requirements on cash-out
- Short-term rental income not counted by banks
- Portfolio too large for retail lenders
- Mixed-use or 5–10 unit properties
Creative Solutions
- Qualify off in-place or market rents
- STR programs that use AirDNA / 12-month history
- Portfolio loans cross-collateralized across assets
- Delayed-financing exception for recent cash purchases
- Mixed-use treated as residential where eligible
A simplified decision path
Case Studies
What it looks like in practice.
Fix & Flip · Credit Workaround
Closed in 12 days despite a 640 FICO.
Purchase
$200,000
Rehab
$100,000
ARV
$450,000
Close
12 days
Fix & Flip · No Appraisal
Skipped the appraisal, closed in 3 days.
Purchase
$600,000
Close
3 days
Leverage
88% LTC
Saved
21-day delay
Fix & Flip · No Credit Check
Funded an asset-based deal with zero credit pull.
Equity gain
$250,000
Credit pull
None
Term
12 months
Exit
Refi + hold
FAQ
Questions investors ask.
Run your dscr loans scenario by us.
One business day to a structured path.