Before you apply
Three quick steps to get ready.
- 01
Run the numbers
Use the DSCR calculator to check the deal before you start.
- 02
Gather the basics
Property details, the purchase or refinance scenario, and for rentals the lease or market rent.
- 03
Start the application
Submit for an initial review and early terms.
Program FAQ
DSCR loan questions
How is a DSCR loan sized?
From the property's debt-service coverage ratio and rent roll. At or above 1.0 the rent covers the payment; stronger coverage supports better terms.
Do I need to show personal income?
No. A DSCR loan qualifies the property on its cash flow, not your W-2 or tax returns.
What are the terms?
$100K to $20M, up to 80% LTV, rates from 6.50%, closing as fast as 15 days. Rates are as-published; confirm current terms before applying.
Ready to apply for a loan?
Start your application when you're ready, or talk with us first if you want help choosing the right loan.