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    Find the Best DSCR Loan for Your Rental

    Compare DSCR options from 30+ lenders. Free and no credit pull to get quotes. Best option for your needs every time.

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    By a team that's closed $500M+ in loans
    30+ lenders for you
    All 50 States
    Rates starting in the 5s

    What is a DSCR loan?

    A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's rental income — not your personal income. If the property's cash flow covers the mortgage payment, you can qualify (sometimes even if it doesn't). No tax returns, no pay stubs, no W-2s.

    DSCR loans are ideal for:

    Buy-and-hold investors
    BRRRR strategy investors
    STR / MTR operators
    Portfolio builders
    Landlords
    Co-living operators

    What our lenders offer

    Our network of 30+ lenders competes for your rental deal. Here's what's available.

    30-year fixed, adjustable rate, and interest only options
    No income verification or tax returns required
    Qualify on projected rent (no lease required)
    STR / Airbnb / vacation rental programs
    Cash-out refinance available
    Rural properties welcome
    ITIN and Foreign National programs
    No minimum loan size
    Zero-point options available at market rates

    How it works

    01

    Tell us about your rental property

    Property type, location, purchase price or current value, and expected rental income. Takes about 5 minutes.

    02

    Tell us your priorities

    Prepayment preferences, interest-only flexibility, lowest rate vs. lowest fees — tell us what matters most and we'll match you with the right options. Let us do the work for you.

    03

    Compare standardized rate sheets

    See 30-year fixed rates, adjustable options, and total costs from competing lenders — all in one standard format.

    04

    Choose your terms and we facilitate closing

    Select the best offer and we help you get to the closing table. We're here every step of the way.

    DSCR Loan FAQ

    See what DSCR rates you qualify for

    5 minutes. No credit pull. No income docs. No obligation.

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    Looking for fix-and-flip financing? See our fix & flip loans