Long/Short Term
Rental Loan (DSCR)

DSCR financing for long-term and short-term rentals, designed for investors who move fast.

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High LTV

85% for Purchase & Rate/Term Refi

80% for Cash Out Refinance

FICO as low as 620

75% LTV Purchase & Rate/Term Refi

65% LTV Cash Out Refinance

Vacant Property

Refinance property with no LTV reduction

DSCR Loans

Debt Service Coverage Ratio

Build your rental portfolio without income docs

Qualify based on property cash flow, not personal income. Perfect for investors scaling their rental portfolios.

Loan Amount

$50K - $3.5M

LTV

Up to 85%

Term

30-year fixed or ARM

FICO

As low as 620

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Program Highlights

No personal income documentation required

Loan qualified on rental income (DSCR ratio)

Long-term and short-term rental income both eligible

Title can vest in LLC—excludes from personal credit

Interest-only and fixed-rate options available

1-4 unit properties eligible

No prepayment penalty options available

No seasoning period required

Gift funds allowed for down payment

CLTV up to 90% available

Built for Rental Investors

We understand the investor mindset

Experience-based underwriting—not just credit scores

Portfolio lenders who understand creative financing

Dedicated investment loan officers

Fast closings when timing matters

LLC-friendly lending—protect your personal credit

Flexible qualification requirements

Vacant properties refinanced with no LTV reduction

Repeat investor discounts available

Licensing Information

*Investment property transactions are not available in the following states: AZ, ID, MN, NV, OR

Ready to scale your rental portfolio?

Let's discuss your next rental property. Fast approvals, competitive rates.