Build Wealth with Rental Property Financing
Our Single Family Rental program provides long-term, stable financing for buy-and-hold investors. Qualify based on the property's rental income, not your personal W-2.
Key Benefits
What is a DSCR Rental Loan?
DSCR (Debt Service Coverage Ratio) loans qualify borrowers based on the property's rental income rather than personal income. This makes them ideal for self-employed investors, high-net-worth individuals, and anyone who prefers not to document personal income.
How DSCR is Calculated
DSCR = Monthly Rent ÷ Monthly Mortgage Payment (PITIA)
- PITIA = Principal + Interest + Taxes + Insurance + Association fees
- A DSCR of 1.0 means the rent exactly covers the payment
- Higher DSCR = better rate and terms
DSCR Example
- Monthly Rent: $2,000
- Monthly Payment: $1,800
- DSCR: $2,000 ÷ $1,800 = 1.11
Program Highlights
No Income Documentation
We don't require tax returns, pay stubs, or employment verification. Your qualification is based on the property's ability to generate income.
Long-Term Stability
Unlike hard money loans that require refinancing every 12-24 months, our 30-year fixed options provide long-term stability for your investment.
Build Your Portfolio
Our program supports your growth. As you acquire more properties, we can help you finance them efficiently with consistent terms.
Perfect for Self-Employed Investors
Many successful real estate investors are self-employed or have complex income situations that make traditional loans challenging. DSCR loans solve this problem by focusing on the investment property itself.
Ideal Use Cases
Frequently Asked Questions
Debt Service Coverage Ratio compares the property's rental income to the mortgage payment. A DSCR of 1.0 means rent equals the payment.
Yes! We encourage closing in an LLC for liability protection and offer competitive rates for entity borrowers.
Building a Rental Portfolio
Investor used our DSCR loans to acquire 8 single-family rentals, generating $6,400/month in cash flow.
Program Details
What You'll Need
- Property must be rented or rent-ready
- Appraisal with rental analysis
- Proof of landlord experience (or first-time program)
- Property insurance
- Entity documents if closing in LLC
Ready to Get Started?
Our team specializes in Single Family Rental Loan Program. Let us help you find the right solution for your needs.