DSCR Rental Property Loans
Rental financing that qualifies on cash flow, not personal income.
DSCR (debt-service coverage ratio) rental loans qualify an investment property based on the rental income it generates relative to its debt — not on your personal income. This makes them useful for investors whose tax returns don't reflect their full borrowing capacity. DSCR loans are designed for rental properties, not flips or owner-occupied homes.
Minimum Requirements & Program Details
These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.
Reveal DSCR Rental Loan
Reveal partner channel
- Minimum credit
- 620+ FICO (starting point)
- Minimum loan
- $75,000
- DSCR coverage
- Rental coverage requirements vary by program. Selected options may consider ratios below 1.0, subject to additional underwriting requirements.
- Property
- Rent-ready investment property
- Eligible property / unit limits
- Vary by program—request a funding review
- Term / structure
- Selected long-term structures include 30-year financing
Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.
Common uses
- Purchasing a rental property
- Refinancing a rental into investor financing
- Scaling a rental portfolio
- Investors with complex or non-W-2 income
When it fits
- The property's rent is expected to cover its debt
- You want qualification based on property cash flow
- You're buying or refinancing a rental, not flipping
How it generally works
- 1The property's rent is used to calculate a DSCR.
- 2Partners set their own minimum DSCR, which varies by program — some support lower ratios than others.
- 3Qualification leans on property cash flow, not personal income.
- 4Long-term rental options can include 30-year financing. Available terms depend on the selected program.
Factors funding partners may consider
- Rental income vs. debt payment (DSCR)
- Property type, condition, and location
- Your investor experience and reserves
- Down payment / equity
Documents to prepare
We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.
Initial Review
- Lease or market rent information
- Property details (address, type, condition)
- Entity documents (LLC, etc.)
Additional Underwriting & Closing
- Property insurance
- Evidence of required reserves
- Appraisal and title (per the selected lender's process)
Curious whether this fits your situation?
Request a review — we'll confirm fit and suggest alternatives if another product suits you better.
Illustrative scenario
An investor with strong rental income but complex personal taxes qualifies a property on its DSCR rather than personal income, financing a long-term rental. Actual DSCR thresholds and terms depend on the partner and property.
How it compares to related products
vs. Conventional Rental Loan
Conventional loans weigh personal income; DSCR loans weigh property cash flow.
Learn moreFrequently asked questions
Ready to explore dscr rental property loans?
Request a funding review and we'll help confirm fit and identify alternatives. Any match is preliminary until reviewed.