Rental / DSCR
Purchase, refinance, or cash out eligible rental property without a conventional owner-occupied mortgage process.
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DSCR financing exists because the conventional process asks landlords the wrong questions. Two years of tax returns and a debt-to-income ratio tell you very little about whether a rental covers its own debt service - the rent does. These programs underwrite the property first, which is why the paperwork is shorter and why investors with a dozen doors don't get penalized for looking leveraged on paper.
The range runs wider than most people expect. A single door at seventy-five thousand qualifies under the same product family as a ten-property portfolio, and small multifamily up to eight units has its own track. Short-term rentals, vacant properties being refinanced, PadSplit arrangements, and foreign-national borrowers are all eligible on the applicable programs rather than being automatic declines.
Program guidelines
Single rental properties. The standard track for most landlords.
Small multifamily, 5 to 8 units.
Two to ten properties in the same state under one loan.
Program guidelines shown are maximum or minimum parameters, not an offer of credit. Every loan is subject to borrower, property, transaction, state, underwriting, and final approval.
Before you call
None of this is a document request and none of it is binding. It's the shortest list that lets someone give you a real answer instead of a range.
Start the quoteFAQ
Debt service coverage ratio compares the property's rental income to its debt payment. A 1.00 DSCR means the rent exactly covers the payment. The standard program here goes down to 0.80, which means a property can qualify even if the rent doesn't quite cover the full payment on its own.
Not for DSCR. The property's income carries the qualification, which is the entire point of the product. Underwriting will still verify the things that secure the loan - the property, the rent, and your credit.
Yes, short-term rentals are eligible on applicable programs, as are vacant properties being refinanced and PadSplit arrangements. Tell us how the property is actually being operated and we'll point you at the right track.
There's no hard cap on the standard DSCR program. If you're financing several at once, the portfolio program covers two to ten properties in the same state under a single loan, which is usually cleaner than running them separately.
Yes. Individual and entity borrowers are both eligible.
Send the property and the numbers. You'll get a straight answer on whether it's a fit - and if it isn't, you'll hear that quickly.