Loan purpose
- Purchase or refinance non-owner-occupied rental property
- Support investors qualifying primarily through property cash flow
- Access eligible cash-out for portfolio growth or investment strategy
DSCR Loans
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Rental-property financing focused on income potential, cash flow, and investment strategy.
Rental Income | Investor-Focused | Cash Flow
Financing for qualified borrowers. Program terms are confirmed in the guidelines below.
Program snapshot
A quick orientation before the full guidelines—borrower fit, common uses, and the next step.
Borrower profile
Owners scaling single-family and small multifamily rentals without relying solely on personal DTI.
Also suited to
Borrowers adding or refinancing holds with documented rent performance and reserves.
Common use
Acquire or refinance long-term holds with rental-driven qualification
Additional scenarios
Expand without consuming personal DTI capacity
Scenario fit
Cash-out to fund the next acquisition
Next step
Speak with a loan specialist before preparing documentation—specific figures are confirmed in the guidelines below.
Program guidelines
Loan term
- 30-year fixed-rate option
- 5/6 ARM
- 3/6 ARM
- Liquidity check: 3 months of PITIA reserves required
Loan amount
- Maximum loan size under this program: up to $50 million
Loan to value (LTV)
- LTV capped at 80%
Minimum credit score
- 660
Minimum DSCR
- None
Property type
- Collateral must be non-owner-occupied
Eligible property types
- Single-family residence (SFR)
- 2- to 4-unit residential properties
- PUDs
- Condos
- Townhouses
Eligible borrowers
- U.S. citizens and permanent resident aliens
- Non-permanent resident aliens
- LLCs
Key features & detail
A concise overview of how this DSCR program is typically structured.
- Designed for non-owner-occupied rental property financing.
- Available for purchase, rate/term refinance, and cash-out refinance scenarios.
- Underwriting primarily evaluates property cash flow and rental performance.
- Fixed-rate and ARM options are available, depending on file profile and market terms.
- Documentation, pricing, and final terms vary by borrower qualifications and property characteristics.
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