DSCR loans for 1–4 unit residential investment properties.
A purpose-built program for buy-and-hold investors. Qualify on rent, close in an LLC, scale your portfolio with predictable terms.
Program Highlights
- Loan Amount$150K – $3.5M
- Max LTV (Purchase)Up to 80%
- Max LTV (Cash-Out)Up to 75%
- Min DSCR1.00 (best pricing 1.25+)
- Min Credit Score660+
- Term Options30-yr fixed, 5/7/10 ARM, IO
- VestingLLC, individual, or trust
- PrepayFlexible 0–5 year structures
Property Types
Eligible Strategies
- • Long-term rentals
- • Short-term & mid-term rentals (market-dependent)
- • Cash-out refinance for portfolio expansion
- • Rate & term refinance from hard money or bridge
- • Delayed financing
How it works
Address, rent, purchase price, credit range.
Indicative pricing within one business day.
Appraisal + lease analysis. No tax returns.
Typical 21–30 day close in your LLC.
DSCR Refinance Loans
Already own the property? A DSCR refinance lets you lower your rate, restructure your terms, or pull equity out of a stabilized rental — all qualified on the property's cash flow rather than your personal income. Ideal for investors exiting hard money, consolidating debt, or recycling capital into the next acquisition.
Rate & Term Refinance
Lower your monthly payment or move from a short-term loan into a 30-year fixed. No cash out — just better terms on the debt you already have.
Cash-Out Refinance
Tap up to 75% LTV of your property's appraised value. Recycle equity into your next acquisition, renovations, or reserves — tax-deferred.
Delayed Financing
Bought in cash within the last 6 months? Pull your capital back out at purchase price without waiting for traditional seasoning requirements.
Refinance Highlights
- Max LTV (Rate & Term)Up to 80%
- Max LTV (Cash-Out)Up to 75%
- Min DSCR1.00 (best pricing 1.25+)
- Min Credit Score660+
- SeasoningAs little as 3–6 months
- Cash-Out UseUnrestricted — reinvest, reserves, debt payoff
- Term Options30-yr fixed, 5/7/10 ARM, IO available
- VestingLLC, individual, or trust
Common Use Cases
- • Exit a hard money or bridge loan into 30-year fixed financing
- • Pull tax-free cash out of an appreciated rental to fund the next deal
- • Consolidate higher-rate debt across a portfolio
- • Drop PMI or restructure after a value-add renovation
- • Season a BRRRR project and recapture invested capital
- • Move title from personal name into an LLC for asset protection