DSCR Loans
30 years matching borrowers to property-backed loans, from rentals through large commercial deals.
Loan size
$100K - $20M+
Unit count
1 to 30+ units
Pricing
0 point options
Speed
Same-day term sheets
* Subject to lender review.
Refinance leverage
Rate and term refinance
Up to 85% LTV
Lower your rate or extend your term while keeping strong proceeds based on appraised value.
Cash-out leverage
Cash-out refinance
Up to 80% LTV
Pull equity from stabilized rentals and multifamily based on appraised value.
- Rates as low as 5.75%. 30-year fixed rate with flexible prepayment and interest-only structures.
- No income verification. Qualification is based on the asset's income, not your personal income. No proof of income required.
- Short prepayment penalty. Buy down the prepayment penalty to as low as one year on the 30-year fixed.
- 10-year interest-only. Ideal for short holds, maximum cash flow, and a clean exit. Keeps payments low with no prepayment penalty.
- Balloon structures. Terms tailored to your hold period and exit strategy.
- Low DSCR options. We can structure loans with DSCR as low as 0.75 when the numbers support the deal.
- 0 point options. Choose pricing that fits your hold strategy and closing budget.
- Same-day term sheets on qualified properties.* Subject to lender review.
See what you qualify for today. Our team will structure a DSCR solution that fits your hold period and goals.
Residential and multifamily
Property unit counts
1 unit to 30+ units
DSCR financing from single-family rentals through large multifamily properties. Long-term holds, portfolio refis, and cash-out strategies on stabilized income assets.
Also available
Commercial DSCR
In addition to residential and multifamily DSCR, we also finance purely commercial properties with no housing component. If the asset is office, retail, hospitality, or another operating business property, we can qualify the loan on the property's cash flow.
- Office
- Retail
- Daycare
- Bars and restaurants
- Industrial and warehouse
- Other income-producing commercial (no residential housing)
No credit check
50/50 Program
50% of property value
Get a DSCR loan for 50% of the property's value with no credit check. If the asset is worth $2,000,000, you can pull out $1,000,000 in cash when you own the property outright or have a small balance remaining.
* Subject to lender approval.
Get Your Loan
Free consultation • 2-minute application
† Subject to lender approval.