Rental Loan (DSCR)

Program highlights

• Purchase and refinance loans
• Loan amounts $150,000 – $5,000,000
• 5, 7, 10, 30 and 40 year fixed terms
• LTV up to 80%
• Interest-only options available
• No income verification — no tax returns, no W-2s
• Short-term rentals (Airbnb) eligible
• Foreign nationals eligible
• Single family, 2–4 units and condos
• Close in 10–14 days

Who it's for

Whether you're buying your next rental or refinancing one you already own, we fund it based on whether it cash flows. That's it. Built for investors scaling a rental portfolio who don't want to be limited by bank income requirements or approval timelines.

Basic requirements

• Minimum 580+ FICO on most files (620+ for best pricing and leverage)
• Business-purpose, non-owner occupied
• Title held personally or in an LLC / corporation / trust
• Lease and rent roll where the property is tenanted
• First lien position only