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DSCR Rental Loans
NC, GA, VA rental investors. $75K-$2MM. 660 FICO. No W-2s.
1% Max Origination Fee — Through July 31
Who This Is For
You're a real estate investor who owns or is purchasing a rental property — whether that's a long-term rental, a short-term rental, or a small multifamily property. You want long-term financing that's underwritten on the property's income, not your personal tax returns or debt-to-income ratio. DSCR loans are built for landlords and investors who want to grow a portfolio without the bank experience.
How it Works
- Send us the property details — address, rent or expected rent, purchase price or current value.
- We respond with initial terms the same business day.
- You give us the go-ahead and we get started.
- We manage the process from documentation through closing.
Program details
Rental / DSCR
30 Year Options Based on Property Cashflow
- Active: NC, GA, VA
- Rate: Based on scenario - request same-day terms
- Leverage: Up to 80% LTV for Purchase or No Cash Out Refi; 75% LTV for Cash Out Refi
- Term: 30 Year Fixed / Hybrid ARMS (5/1, 7/1, 10/1)
- Size: $75K - $2MM
- Valuation: 3rd Party Appraisal
- DSCR: 1.00
- FICO: 660
- Amortization: Fully Amortizing or Partial Interest Only
- Eligibility: Experience Not Required; 1-4 Unit Residential, Condos, Townhomes, PUD; Entity Required
*Terms vary based on market, leverage, and credit
Frequently Asked Questions
DSCR is your property's Gross Monthly Rent divided by PITIA (principal, interest, taxes, insurance, and HOA). Gross Monthly Rent is determined using the lower of in-place rent or the appraiser's market rent estimate.
In most cases, if you are purchasing the property or have owned it for less than 90 days, a lease is not required. If you have owned the property for more than 90 days, a lease is typically required.
No tax returns or W-2s are required. The documentation we do need includes entity documents (Articles of Organization, operating agreement, EIN), closing attorney or title company information, property insurance, bank statements and liquidity verification, lease information (if applicable), and a payoff statement for the existing loan (if refinancing). We also require authorization for a soft credit pull and background check.
Yes. We have options for properties with a DSCR below 1.0.
Yes. Send us the property details and we'll walk you through how short-term rental income is evaluated.
Yes. For rural properties we offer 75% LTV for purchase or rate/term, and we offer 70% LTV for cash-out refis.
No experience is required for a DSCR loan.
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Business‑purpose loans only. First‑lien only. Availability varies by state & program. Terms subject to change. Privacy Policy.
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