Real estate funding · DSCR and Rental Investment Loans
The property's rent qualifies the loan.
DSCR stands for debt service coverage ratio. Underwriting compares the rent the property produces against the payment it would carry, which means your personal income and tax returns stay out of the file.
Funding partners in our network
- Loanable
- PFG
- NLC / Loan Funder
- Funding Vault
- 7 Figures
- Lexington
- AdvisorHub
We introduce applicants to these partners. They make every credit decision. See the full directory.
Lender guidelines
What partners publish for this product
- Amount
- $75,000 to $50,000,000
- Term
- 5 to 30 years
- Rate
- Quoted per file, with a floor around 6.375%
- Leverage
- 70% to 80%
- Typical credit
- 670
- Time in business
- Not applicable
- Revenue
- Not applicable, the property's income qualifies the loan
- Typical speed
- Weeks
- Collateral
- Backed by the asset or property being financed.
Minimum property value generally runs $100,000 to $150,000. Every DSCR loan must be individually quoted.
These are partner lender guidelines, not offers. Approvals, amounts, rates, and terms are determined solely by the funding partner and are not guaranteed. Results vary and depend on credit, income, and lender approval. Not typical results.
DSCR Rental
Compare 3 partners in one step
Answer the pre-qualification questions once and see each of these partners side by side, with the differences spelled out.
- No credit pull to see your matches
- No fee charged to applicants
- You choose the partner, not us
Questions first? Call (209) 541-4065, Mon to Fri, 8:00am to 6:00pm ET.
Why this product
What it does well
No personal income documentation
The rent roll carries the file instead of tax returns or pay stubs.
Terms up to 30 years
Long amortization keeps the payment low relative to rent.
Portfolio friendly
Investors can scale holdings without a conventional debt-to-income ceiling.
Fit
Best for
- Investors holding rentals for cash flow
- Borrowers whose tax returns understate their real income
- Portfolios being refinanced onto long-term debt
Uses
Common use cases
- Refinancing a completed flip into a long-term hold
- Acquiring a cash-flowing rental
- Consolidating short-term debt across a portfolio
Partners
Every partner that offers this product
They are not interchangeable. Compare how they differ, then choose where to apply.
NLC / Loan Funder
NLC / Loan Funder USA
Real-estate specialist: fastest close, experience-based leverage up to 90% LTC.
Real estate only: fix and flip, bridge, ground-up construction, and DSCR rental loans.
Opens NLC / Loan Funder's own application. They underwrite the file and set every term.
Loanable
Loanable (Nextgen Capital Solutions)
One application, 100+ lenders, funding as fast as 24 hours.
Full marketplace covering both business and real estate products.
Opens Loanable's own application. They underwrite the file and set every term.
Funding Vault
Funding Vault / Impruvu
Broad marketplace across business and real estate.
Broad business and real estate marketplace: lines of credit, revenue-based funding, hard money, commercial, and DSCR.
Opens Funding Vault's own application. They underwrite the file and set every term.
Not sure which one fits? Run the pre-qualification form and we will show you only the partners your profile matches.
FAQ
Questions about this product
Read this first
- We are not a direct lender or bank. We assist with applications, consulting, and credit strategies.
- Approvals are not guaranteed and are subject to bank or issuer decision.
Submitting your funding request will not impact your personal credit score. If you choose to proceed with an offer, certain funding options may require a hard credit inquiry, which the partner discloses and you authorize before it happens. We do not provide legal, tax, or financial advice. Please consult a licensed professional for personalized guidance. Full disclosures.
See what you qualify for
A few questions, no documents, no credit pull. You get every option your profile matches, not just this one.