Send the property
Address, value or purchase price, monthly rent, taxes, insurance, association dues, and whether the request is a purchase, refinance, or cash-out.
DSCR rental financing
Prepare financing for your next rental or Airbnb investment.
Your rental strategy starts with the property income, holding costs, and the way you intend to use it. We help investors explore DSCR options for long-term rentals and eligible short-term rentals. Airbnb and other short-term rental eligibility varies by lender, property, market, and underwriting.
- Qualified on the property's rent, not a conventional debt-to-income review.
- Available for purchase, rate-and-term refinance, and cash-out scenarios.
- Used to retire short-term rehab debt once a property is rented or rent-ready.
- Send a deal and get a straight read on fit within 24 hours.
Send the property.
Program at a glance
The numbers investors ask about first.
Figures describe programs commonly available through the lenders we place with. Final terms come from the lender after underwriting and appraisal.
How it works
From rent roll to rental debt.
Get a fit review
We look at how the rent covers the payment, plus credit, reserves, and seasoning, then identify the programs the file realistically fits.
Compare the structure
Prepayment structure, term, and pricing move together on DSCR loans. We help you see the tradeoff before the file is submitted.
Recent placements
DSCR deals we have helped move to closing.
FAQ
DSCR rental loan questions
Select a question for practical answers about the property, costs, and next steps.
How is DSCR calculated for a rental property?
Many residential DSCR programs divide accepted monthly rent by principal, interest, taxes, insurance, and association dues. A hypothetical $3,000 rent divided by $2,400 in these costs equals 1.25. The lender sets its calculation and minimum. Qualifying does not establish positive operating cash flow; budget separately for vacancy, management, and repairs.
Can I qualify for a DSCR loan without W-2s or personal tax returns?
Some DSCR programs use rental income instead of a conventional personal debt-to-income calculation. Lenders still review the borrower, credit, available cash, reserves, property, and required documents. Tell us whether you are purchasing or refinancing and what rent evidence is available so we can confirm the relevant program requirements.
What down payment and credit score do I need for a DSCR loan?
Requirements vary by lender, leverage, property, rent coverage, and transaction type. A purchase may require a down payment plus closing costs and reserves; a refinance depends on value and existing debt. Share your estimated credit range and available capital for a review rather than relying on another lender’s advertised minimums.
Can I get a DSCR loan for an Airbnb or a vacant rental?
Some programs consider short-term rentals or properties without a current tenant. Ask which lease, operating history, market-rent report, or projection the lender will accept. Airbnb eligibility also depends on the property and location. Confirm local permissions and property restrictions before building your financing plan around short-term rental income.
How do I compare DSCR rates, fees, and prepayment penalties?
Use the same loan amount and expected holding period for each proposal. Compare points, lender and broker charges, payments, cash needed, and any early-payoff costs. A lower rate can come with higher upfront or prepayment costs. Try our interactive worksheet and worked example.
Can I refinance a hard money loan into a DSCR rental loan?
It may be possible once the property meets the new lender’s requirements. Completion of the work, rent evidence, appraisal, seasoning, credit, and reserves can affect the available amount and terms. Review the exit before your current loan matures; a refinance requires a separate approval. Prepare your bridge-loan exit.
Compare two hypothetical DSCR offers · Check rental cash flow · What your review covers
Next step
Ready to put a file together?
Send the property above for a fit review. We will follow up with the next steps.
Read the investor preparation guide.
Prefer to talk it through? Call (701) 353-0929.