DSCR Rental Loans
Built for long-term investors focused on rental income and cash flow.
Loan Features
Loan Amounts
Up to $3M
Financing for single-family and small multifamily rentals
LTV
Up to 80%
Maximum loan-to-value based on property value
Terms
15 or 30 Years
Interest-only for 15 years or 30-year fully amortized
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan is a type of financing that qualifies you based on the property's rental income rather than your personal income. This makes it ideal for real estate investors who may have complex tax returns or want to scale their portfolio without traditional income verification.
The DSCR ratio measures the property's ability to cover its debt obligations. A DSCR of 1.0 means the property generates exactly enough income to cover the mortgage payment. A DSCR above 1.0 means positive cash flow, while below 1.0 means the property requires additional funds to cover the payment.
We make rental property financing simple, predictable, and efficient. No tax returns, no W2s—just straightforward financing based on what matters: the property's rental income.
Requirements
Borrower Requirements
- Minimum credit score of 620
- Proof of down payment and reserves
- Investment property experience preferred
- Valid ID and proof of ownership
Property Requirements
- 1-4 unit residential properties
- Small multifamily (5-20 units) considered
- Property must be in rentable condition
- Current or projected rental income required
Ready to Finance Your Rental Property?
Get an instant quote or speak with a loan officer today.
Questions? Call 786-667-0793 or email deals@domuslg.com