DSCR Rental Loans
Long-Term & Short-Term Rental Loans
DSCR rental loans designed for buy-and-hold investors. No income verification required — qualify based on property cash flow. From single family to portfolios, we have a program that fits.
NCW Real Estate Funding Group specializes in DSCR rental loans for investors building long-term wealth through rental properties. Whether you're purchasing your first rental or refinancing a portfolio of 20+, our programs are built for serious investors who want to scale without the red tape of traditional lending.
Loan Terms
DSCR Rental Loan Details
Loan Amount$55K – $1.5M
Term30 Years
RateFrom 6.0733%
Credit Score680 Minimum
Min DSCR1.10 (1.20 if <720)
Prepayment Penalty0-5 Years
Amortization Options
30-Year Fixed, Interest Only, and ARMs available to fit your investment strategy.
LTV for 1-4 Unit Properties (700+ Score)
PurchaseUp to 80%
RefinanceUp to 80% of As-Is Value
Cash-OutUp to 75% of As-Is Value
Collateral / Property Types
Non-owner occupied 1-4 family residential properties, condos, townhomes, portfolios, and short-term rentals (Airbnb / VRBO).
Why Choose Our DSCR Rental Loans?
- No Income VerificationQualify based on property cash flow, not personal income
- Build Your PortfolioNo limit on the number of properties you can finance
- 30-Year FixedLong-term stable financing for buy-and-hold investors
- Cash-Out AvailablePull equity from existing rental properties
- Short-Term Rentals OKPerfect for Airbnb / VRBO investors
- LLC FriendlyHold properties in your business entity
The Process
How DSCR Rental Loans Work
- 1. Apply OnlineSubmit a quick application with your rental property details. Takes about 10 minutes.
- 2. DSCR CalculationWe calculate the property's debt service coverage ratio based on monthly rental income.
- 3. Property AppraisalAn appraisal confirms property value and rental income potential.
- 4. UnderwritingOur team reviews the property cash flow and your credit profile — no tax returns needed.
- 5. Approval & ClosingGet approved and close on your rental loan with confidence.
- 6. Long-Term FinancingEnjoy 30-year fixed financing or flexible ARM options to maximize cash flow.
Smart Financing
Why DSCR for Rental Properties?
No Income Docs Required
Traditional rental loans require tax returns, W-2s, and employment verification. Our DSCR rental loans qualify you based solely on the property's ability to generate rental income — perfect for self-employed investors and those with complex tax situations.
Scale Without Limits
Conventional lenders cap how many rental properties you can finance. With DSCR rental loans there is no cap. You can build a portfolio of 5, 10, or 50+ properties without hitting traditional lending limits.
Airbnb & VRBO Friendly
Our DSCR rental loans work for both long-term rentals AND short-term rentals. We use projected rental income to qualify, even for Airbnb and VRBO properties — one of the few lenders that accommodates short-term rental investors.
30-Year Stability
30-year fixed DSCR rental loans give you predictable monthly payments and long-term cash flow. Lock in your rate and build sustainable wealth through rental income without worrying about rate fluctuations.
Frequently Asked Questions
DSCR Rental Loans FAQ
What is a DSCR rental loan?
A DSCR (Debt Service Coverage Ratio) rental loan qualifies based on the rental income of the property, not your personal income. It's designed specifically for real estate investors building rental portfolios — no W-2s or tax returns required.
What credit score do I need?
You need a minimum 680 credit score for our DSCR rental loans. Better credit (700+) typically unlocks better LTV and pricing options.
Can I use these for Airbnb or short-term rentals?
Yes! Our DSCR rental loans work for both long-term and short-term rentals like Airbnb and VRBO. We use projected income based on market data to qualify the property.
How many rental loans can I have?
There's no limit. Unlike conventional financing, DSCR rental loans don't cap how many investment properties you can own. Scale your portfolio as large as your investment strategy demands.
Ready to Build Your Portfolio?
Get a quote on your rental loan.
Free quote in less than 24 hours. No obligation, no junk fees, no surprises.