/ DSCR Rental · Program details

DSCR Rental loans.

Thirty-year financing that qualifies on the property's rent — not your tax returns. For the flips you keep and the portfolio you're building.

Run the numbers first
A finished rental home at golden hour
/ The full box

Every parameter. Up front.

If your deal fits this box, terms come fast. If it does not, you hear that fast too — with what might work instead.

Property types
Non-owner-occupied SFR, 2–4 units, warrantable condosShort-term rentals (Airbnb/VRBO) case-by-case
Loan amounts
$100K – $4.5M
Leverage
Up to 80% LTV purchase & rate-termCash-out refinance up to 75% LTV
Minimum DSCR
0.75The rent does not have to fully cover the payment to qualify
Income docs
NoneNo tax returns, no W-2s, no pay stubs — the lease and market rent do the work
Minimum credit
680+
Term
30-year fixedInterest-only options available
Prepayment
Step-down optionsStructures and buy-downs disclosed on your term sheet — compare before you sign
Cash-out seasoning
Typically 3–6 months from purchase or completed rehab
Borrower
Individuals or business entitiesClose in your personal name or your LLC, corporation, or LP — investment property only, still a business-purpose loan
Where
Business-purpose deals in 49 states
THIS PROGRAM IS PRICED BY A LICENSED LOAN OFFICER, NOT THE ONLINE ENGINE. ALL FIGURES ARE PROGRAM GUIDELINES AND STARTING TERMS, NOT AN OFFER OR COMMITMENT TO LEND — FINAL TERMS ARE SET BY THE FUNDING LENDER AFTER VERIFICATION AND CONFIRMED ON YOUR WRITTEN TERM SHEET.
/ How it works

From flip to first rent check. One platform.

01

Run the property

Purchase or refi — the analyzer and your loan officer size the loan on the rent.

02

Terms in writing

Rate, leverage, and the full prepay structure on one term sheet — as fast as same day.

03

Appraisal + rent analysis

Market rent is established with the appraisal; your DSCR is confirmed, not guessed.

04

Close & collect

Thirty years of fixed financing on an asset that pays for itself.

/ What DSCR actually means

The rent does the qualifying.

The one formula that matters
$2,400 rent ÷ $2,000 payment* = 1.20 DSCR

*Monthly principal, interest, taxes, insurance, and HOA. A DSCR of 1.0 means the rent exactly covers the payment. We lend down to 0.75 — meaning the property does not even have to fully cover the payment to qualify. No tax returns, no W-2s, no pay stubs, ever.

/ Program questions

The short answers.

A 680+ score gets you in the box; stronger credit improves pricing. Recent housing events have seasoning requirements your loan officer will walk through.

Yes. DSCR loans can close in your personal name or your entity's. Either way it's a business-purpose loan on investment property — not a home you or your family will live in.

Purchases and refis of vacant rentals typically qualify on market rent from the appraisal rather than a lease in place — the box tightens slightly, and your term sheet reflects it.

Case-by-case. STR income is treated differently than long-term leases; tell your loan officer up front and it gets underwritten the right way from day one.

DSCR loans typically carry step-down prepay structures — industry standard, not a nexflip quirk. What matters is seeing the exact structure in writing before you sign, which is our Standard: every fee and the full prepay structure in writing before you commit.

/ One platform, whole lifecycle

Where this loan leads next.

FLIPPING FIRST?

Fix & Flip

Buy and renovate with up to 90% of purchase + 100% of rehab — then refi here.

BUILD-TO-RENT?

Ground-Up Construction

Build it new, then roll into this 30-year loan without switching platforms.

/ Ready when you are

Fund the flip.
Skip the wait.

Three minutes to start. A written term sheet as fast as same day.