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Loan Program
DSCR & Long-Term Rental
If the rent covers the payment, you're in the game. No tax returns, no pay stubs, soft-pull options, and closings in as little as 14–21 days. Short-term-rental (Airbnb) income can qualify a loan too.
Get a Quote for ThisWho it's for
Investors buying or holding rentals who'd rather qualify on the property's cash flow than their personal income. First-time rental investors welcome — no track record needed.
Highlights
- ✦No income docs / no tax returns
- ✦STR / Airbnb income eligible
- ✦No experience required
- ✦Soft-pull options — typically not reported to bureaus
| DSCR & Long-Term Rental — At a Glance | |
| Loan Amounts | $100,000 – $3,000,000 |
| Typical Rates | 6.00% – 9.00% (scenario-dependent) |
| Term | 30-Yr Fixed or 10-Yr Interest-Only |
| Max Purchase LTV | 80% |
| Cash-Out LTV | 75% |
| DSCR Requirement | 1.00 @ 80% LTV · 0.75 @ 75% LTV |
| Min Credit Score | 660 (some programs 620) |
| Short-Term / Airbnb | Eligible |
| Experience Required | None |
| Eligible Properties | SFR, 1–4 units, condos (livable) |
| Close Time | 14 – 21 days |
Other programs
Bridge / Fix & Flip
Move fast on time-sensitive acquisitions and rehabs.
Portfolio & Commercial
Bundle doors, scale faster, finance by property type.
New Construction
Ground-up financing for investor builds.
GAP, EMD & 2nd Position
Capital to get a project across the finish line.
Foreign National
Investor financing for non-US-citizen borrowers.
Get Funded
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