Loan Program
Long-Term Rental (DSCR)
DSCR rental loans qualify on the property's rent versus its debt payment, so investors with complex tax returns can still build a portfolio. Ideal for the 'refinance and hold' step after a flip or new build.
Typical Terms
| Loan-to-value | Up to 75–80% |
| Term | 30-year fixed, ARM, or interest-only options |
| DSCR | 1.0–1.25x typical; below 1.0 available |
| Entity | Close in an LLC |
| Portfolio | Blanket loans for multiple properties |
Terms shown are typical ranges, not a commitment to lend. All financing is subject to lender underwriting and approval.
Who This Fits
- Investors holding single-family, 2–4 unit, or small multifamily
- Builders keeping some of their units as rentals
- Portfolio investors consolidating loans
What Lenders Look For
- Lease or market rent
- Credit score
- Reserves
- Property condition
Documents Checklist
- Leases or rent roll
- Insurance declaration
- Entity documents
- Bank statements for reserves