DSCR Lender for Real Estate Investors · Rental Property Financing
Lower your rate.
Pull cash out.
Fund your next deal.
Rates as low as 5.75%see full disclosure
What's your goal?
Pick what you'd like to do — we'll customize from there.
Trusted Lender
Connect with the right team to keep your transaction smooth from app to close.
Creative Solutions
Self-employed, foreign national, ITIN, mixed-use — we have a program for you.
Secure & Private
Your data is encrypted and never sold.
Fast to Close
Average 14–30 days from clean app to clear-to-close. Same-day scenario response.
Hundreds
of investors funded
95%+
of applications we start
14–30 days
average close time
1 hour
average response time
DSCR Loans for Real Estate Investors: Program Guidelines
The basics on what we offer. For specific scenarios, just submit your details — we'll often work outside these guidelines.
Qualifications
- • Minimum DSCR: None (Easy 50)
- • Credit Score: 620+ standard
- • Down Payment: 20% minimum
- • Loan Amount: $50,000+
Property Types
- • Single Family Residence
- • 2–4 Unit Multi-Family
- • 5+ Unit Multi-Family
- • Mixed Use & Commercial
- • Condos (Warrantable & Non)
- • And more
Unique Scenarios
- • 619 or less credit eligible up to 50% LTV
- • Mortgage Lates OK
- • Bankruptcy discharge 1 day OK (Easy 50)
- • 11+ Unit DSCR loans
- • Foreign National & ITIN OK
More on guidelines
- • No seasoning for cash-out refinances. Use the full appraised value the day after you purchase.
- • No seasoning for properties recently listed for sale.
- • No limit on how much cash you can pull from your cash-out refinance (subject to LTV).
Specialty Program
Easy 50 Loan
Access up to 50% of your property's value with no minimum credit score required. The widest underwriting box in non-QM.
Learn About Easy 50 →Programs
One direct lender. Every program you need.
DSCR Loans
Qualify on rental income — no tax returns or W-2s.
Learn more →DSCR HELOC / 2nd Mortgage
Tap equity from your investment property — without touching your first.
Learn more →Fix-and-Flip Loans
Buy. Rehab. Sell. Repeat.
Learn more →Bank Statement Loans
12 or 24 months of bank statements instead of W-2s.
Learn more →ITIN Loans
Buy or refinance investment property with an ITIN — no SSN required.
Learn more →Commercial Real Estate
Multi-family, mixed-use, retail, office, industrial.
Learn more →Blanket & Portfolio Loans
Finance 2 to 100+ properties under one loan.
Learn more →Transactional Funding
Same-day funding for double closings.
Learn more →P&L Statement Loans
Qualify with a CPA-prepared profit & loss statement.
Learn more →Free Tool
Qualify your property in 30 seconds.
Plug in monthly rent and PITI to get an instant DSCR ratio plus an estimate of your maximum loan amount.
Example DSCR
Questions
DSCR loan questions, answered.
A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies based on the property's rental income — not your personal income, W-2s, or tax returns. If the rent covers the mortgage payment, you can qualify.
Ready to lower your rate?
DSCR Loans — Lower Rates Are Here.
Cash Out Refinance — More cash flow. More properties.
Send us your scenario or upload a competing term sheet — we'll either beat it or tell you straight up that you've got a great deal.