Long-term rental financing based on property cash flow.
Not your personal income. Not your tax returns. We underwrite the deal based on what the property earns. Up to 85% LTV. 30-year fixed available. Built for the buy-and-hold investor.
- Up to 85% LTV
- No income verification
- No tax returns required
- 30-year fixed available
The details.
Everything you need to know about how this loan is structured before you submit a deal.
On purchases (1–4 units). Up to 80% LTV on cash-out refinances.
Fixed rate available. Long-term capital for stabilized rentals.
We qualify the loan on DSCR, not your W-2 or tax returns.
We offer no-ratio DSCR for equity-upside deals that don't cash flow.
Stop letting your personal income limit your portfolio.
Traditional lenders cap your borrowing power at your personal income. DSCR flips that equation: the property qualifies based on its rent income, which means your portfolio can grow without your W-2 becoming the bottleneck.
No income verification
We do not verify personal income. No W-2, no tax returns, no DTI calculation. The property's rent income is what qualifies the loan.
30-year fixed available
Lock in a long-term rate on a stabilized asset. Predictable payments, no balloon, no refinance pressure in 5 years.
1–4 units and 5+ units
Single-family, small multi, and larger residential portfolios. One lender for every scale of buy-and-hold strategy.
Short-term rentals
STR income documented via AirDNA, 12-month history, or appraisal narrative. We work with the Airbnb and VRBO investor.
No ratio DSCR
Property doesn't cash flow? We finance deals with no minimum DSCR requirement for equity-upside situations.
Bridge to DSCR
Executing a BRRRR? We can bridge the acquisition and rehab, then roll directly into DSCR once the property stabilizes. One lender, full cycle.
Every rental structure, covered.
We offer DSCR financing across a range of property types and investor strategies, from single-family buy-and-hold to large residential portfolios and short-term rentals.
DSCR – 1–4 units
Up to 85% LTV on purchases. Up to 80% LTV on cash-out refinances. Options for soft credit pull only. Built for the standard buy-and-hold investor.
DSCR – 5+ units
Up to 75% LTV on purchases and cash-out refinances. Built for investors growing large residential portfolios.
Short-term rental
Income documented via AirDNA, 12-month rental history, or an STR narrative form on the appraisal. Built for the STR investor.
No ratio DSCR
Property doesn't cash flow? We finance deals with no minimum DSCR requirement. Built for equity-upside deals where cash flow isn't the primary play.
Full cycle financing
Bridge to DSCR through one lender. No restrictions on FL, PA, Chicago, or Detroit. Also lending in Baltimore at 65% LTV.
30-year fixed available
Lock in a long-term rate on a stabilized asset. No income verification, no tax returns, no personal debt-to-income ratio.
What we look at.
We underwrite the deal, not your life story. No tax returns. No income verification. Here is what matters.
DSCR: Property cash flow divided by debt service. No minimum for no-ratio deals.
LTV: Up to 85% on 1–4 unit purchases. Up to 75% on 5+ unit purchases.
Income docs: Not required. We do not verify personal income or tax returns.
Credit: Minimum credit score applies. Ask your loan officer for current thresholds.
Property type: 1–4 units, 5+ units, short-term rentals, and some mixed-use.
Loan term: 30-year fixed available. Other term structures available.
For investors building a rental portfolio that doesn't depend on a W-2.
DSCR is the standard financing vehicle for serious buy-and-hold investors. If you're acquiring, refinancing, or pulling equity out of stabilized rentals, this is the product.
- Buy-and-hold investors acquiring single-family or small multi-family rentals
- Portfolio investors scaling beyond what traditional income-based financing allows
- Short-term rental investors on Airbnb or VRBO who need a lender that understands STR income
- Investors pulling cash-out equity from stabilized rentals to fund the next acquisition
- BRRRR investors refinancing out of a bridge loan after a property stabilizes
- Investors in FL, PA, Chicago, Detroit, and Baltimore where some lenders won't go
Three steps. No surprises.
A dedicated team on every file from first call to closing table.
Apply
Get approved
Close
Fill out the form or call us. Tell us about your deal. We can usually give you a preliminary answer the same day.
Your dedicated loan team handles underwriting from start to finish. No committee. No delays.
We fund on time. Most loans close in 7–14 days. You get to the closing table ready to execute.
Apply
Fill out the form or call us. Tell us about your deal. We can usually give you a preliminary answer the same day.
Get approved
Your dedicated loan team handles underwriting from start to finish. No committee. No delays.
Close
We fund on time. Most loans close in 7–14 days. You get to the closing table ready to execute.
Common questions.
How is a DSCR loan qualified?
On the property's cash flow (its debt-service coverage ratio), not your personal income. No W-2, tax returns, or DTI calculation is required.
What is the maximum LTV on a DSCR loan?
Up to 85% LTV on 1–4 unit purchases, up to 80% on cash-out refinances, and up to 75% on 5+ unit purchases.
Do you finance short-term rentals?
Yes. Short-term rental income can be documented via AirDNA, a 12-month rental history, or an STR narrative on the appraisal.
What if the property doesn't cash flow?
We offer no-ratio DSCR with no minimum DSCR requirement, built for equity-upside deals where cash flow isn't the primary play.
Ready to finance your next rental?
Tell us about the property. We underwrite the deal, not your tax returns.