DSCR rental loans that
qualify on the rent
DSCR loans for single-family rentals and duplexes, plus the properties other lenders pass on: Airbnbs, condotels, small multifamily and more. No tax returns or W-2s.
- 30-year fixed
- 40-year fixed
- 5/6 ARM
- 7/6 ARM
- 10/6 ARM
- Interest-only
*For qualified borrowers. Terms vary by credit, property and loan size.
Long-term rentals,
done right
The bread and butter of buy-and-hold investing, with competitive rates and a simple process.
- Single-family, townhomes, condos & 2–4 unitsLeased or vacant, one property or a whole portfolio.
- Purchase, refinance or cash-outUp to 80% LTV on purchases and 75% on cash-out.*
- Qualify on the leaseNo tax returns, W-2s or debt-to-income ratio.
- Close in your LLCKeep your rentals in your business, where they belong.
LTR
STRBuilt for Airbnb
& VRBO investors
Most lenders want a 12-month lease. We qualify short-term rentals on what the property can earn.
- Qualify with up to 100% of AirDNA incomeUse the property's projected short-term rental income, not a long-term lease.*
- Buy a new STRNo rental history needed. Qualify on the property's market data from day one.
- Refinance or cash outPull equity out of an existing Airbnb to buy the next one.
*100% of AirDNA income is available to experienced short-term rental investors on select programs.
Refinance in as little
as 3 months
Built for BRRRR investors. Most lenders make you wait 6 to 12 months before they'll use the new value. We don't.
No Waiting Period
Refinance right away based on what you paid plus your rehab costs.
New Value at 3 Months
After as little as 3 months, refinance on the full appraised value.*
Cash Out & Repeat
Pull your cash back out and put it into the next deal.
*On select programs. Loan amount and leverage limits apply. Flipping with us first? No seasoning required when moving from our bridge loan to a rental loan on qualifying programs.
Specialty properties
we finance, too
The deals other lenders turn down.
- Non-Warrantable CondosCondos that don't meet conventional guidelines.
- CondotelsCondo-hotel units with rental programs.
- 5–10 UnitsSmall multifamily on a residential loan.
- Mixed-UseApartments above or beside retail space.
- First-Time InvestorsNo landlord history required.
- Rural & AcreageRural properties on larger lots.
- Foreign NationalsInvestors without U.S. residency. No U.S. credit score required.
- Portfolio LoansSeveral rentals on one loan, one closing and one payment.
Available on select programs. Leverage may be lower on some property types.
Check your DSCR
DSCR = monthly rent ÷ monthly payment (including taxes, insurance and HOA).
Estimate only, not a quote.
Rental loan questions
What is a DSCR loan?
A rental loan that qualifies on whether the property's rent covers the payment, not on your personal income.
What if the rent doesn't fully cover the payment?
Some programs have no minimum DSCR, so the property can still qualify.
Can I close in an LLC?
Yes. Most investors close in their LLC.
Can first-time investors qualify?
Yes. Select programs don't require any landlord history.
Can I finance several rentals at once?
Yes. Our portfolio loans put multiple rental properties on one loan, with one closing and one monthly payment.