DSCR Rental Loans.
Qualified on the Property, Not Your W-2.
No tax returns or W-2s. 30-year fixed available. Portfolio loans up to $6.25M.
What Is a DSCR Loan?
A DSCR loan is a rental property loan that qualifies you on the property's cash flow instead of your personal income. DSCR is the debt service coverage ratio: monthly rent divided by your monthly payment plus taxes, insurance, and HOA.
If the rent covers the payment, the deal works. No tax returns. No W-2s. First-time investors are welcome.
What Are the DSCR Loan Terms?
Program terms as of October 6, 2026. Every deal prices differently, and all loans are subject to underwriting. Nationwide, state restrictions apply.
| Term | DSCR Rental |
|---|---|
| Qualification | Property rent. No tax returns or W-2s |
| Loan amount | $55,000 – $3,000,000 (blanket loans up to $6,250,000) |
| Term | 30-year fixed, 5/6 to 10/6 ARMs, interest-only options |
| Leverage: purchase & rate/term | Up to 80% LTV |
| Leverage: cash-out | Up to 75% LTV, with cash-out up to $1,000,000 |
| Leverage: short-term rentals | Up to 75% LTV |
| Leverage: foreign nationals | Up to 70% LTV |
| Minimum DSCR | Options down to 0.75× for value-play properties |
| Credit | 640+ |
| Prepayment | Options from 1 to 7 years (shorter where state law allows) |
| Property types | SFR, 2–4 units, warrantable and non-warrantable condos, townhomes, PUDs |
| Time to close | 2–3 weeks |
| Pricing | Quoted per deal |
Maximum figures shown are not available in combination on every transaction.
What Kinds of Rentals Can a DSCR Loan Cover?
Short-Term Rentals
Airbnb-style rentals qualify with 12-month ledgers.
Portfolio / Blanket
Multiple rentals under one loan, up to $6.25M.
Foreign Nationals
Foreign national programs are available.
Section 8
Section 8 rentals are accepted.
Can I Put Multiple Rentals in One Loan?
Yes. Blanket loans cover multiple rentals under one loan, up to $6.25M. In one 30-property portfolio refi, the capital source changed its credit box a week before closing and cut LTV from 75% to 50%, which would have wiped out over $1M in cash-out. We moved the deal to a different source and the client closed at 75% LTV with a two-week delay.
Real deal. Real outcome.
DSCR Rental Loan Questions We Actually Get Asked
A DSCR loan qualifies you on the property's rent instead of your personal income. DSCR is monthly rent divided by the payment plus taxes, insurance, and HOA. No tax returns or W-2s are needed.
Most deals want 1.0× or better, meaning the rent covers the payment. We have options down to 0.75× for value-play properties. Send us the address and the rent and we'll tell you where it lands.
Up to 80% LTV on purchases and rate/term refinances, and up to 75% on cash-out refinances and short-term rentals. Foreign national loans go up to 70%. Your leverage depends on credit, property type, and DSCR.
Up to $1,000,000 in cash-out, within the 75% LTV limit on cash-out loans.
Yes, with 12-month ledgers, up to 75% LTV.
Yes. Portfolio and blanket loans cover multiple rentals under one loan, up to $6.25M.
30-year fixed is available. We also offer 5/6 to 10/6 ARMs and interest-only options.
Options range from 1 to 7 years, and shorter where state law allows. We'll show you the options on your quote.
640+. All loans are subject to underwriting approval.
2–3 weeks typically. We don't quote timelines we can't hit.
We lend nationwide, and state restrictions apply. Send us the property address and we'll confirm whether we can lend there.
Other LenderX.ai Programs
Send Us the Address.
We'll Send You Real Terms.
Talk to a lender, not a sales team. No commitment. No appraisal until you see real numbers.
LenderX.ai originates business-purpose loans secured by non-owner-occupied investment property only. Program terms shown reflect best-available terms as of October 6, 2026 for the most qualified borrowers; your terms depend on credit, experience, property type, location, DSCR, project scope, and loan structure. Maximum figures shown are not available in combination on every transaction. Terms and program availability are subject to change without notice and state restrictions apply. This is not a commitment to lend.