Rental Loans
Grow Your Portfolio. Keep Your Income Private.
Our DSCR (Debt Service Coverage Ratio) rental loans qualify based on the property's cash flow not your personal income. No W-2s, no tax returns, no hassle. Perfect for building and scaling a long-term rental portfolio.
Key Features
- Qualify on rental income no personal income docs
- 30-year fixed and adjustable rate options
- Cash-out refinance available
- Single-family, 2–4 unit, and small multi-family
- Loans from $100K to $3M per property
- No limit on the number of financed properties
- Short-term rental (Airbnb/VRBO) income accepted
- Entity (LLC) borrowing available
Loan Terms at a Glance
How It Works
Submit the Property
Provide the property address, current (or projected) rent, and purchase price or current value.
DSCR Analysis
We calculate DSCR using market rents and issue a pre-qualification. No personal income verification needed.
Close and Cash Flow
Close on your timeline. Your new loan is based on the property's performance — scale as fast as you want.
Frequently Asked Questions
What is DSCR and how is it calculated?
DSCR (Debt Service Coverage Ratio) = Monthly Gross Rent ÷ Monthly Loan Payment (PITIA). A DSCR of 1.0 means rent covers the payment exactly. We offer loans from 0.75x to 1.25x+ DSCR depending on the program.
Can I use short-term rental income (Airbnb)?
Yes. We accept AirDNA or 12-month rental history to support STR income. This is increasingly popular with vacation rental investors.
Can I close in an LLC?
Yes. Entity (LLC, partnership, corp) borrowing is available and often preferred for portfolio investors from a liability protection standpoint.
Is there a limit on how many properties I can finance?
No. We do not limit the number of financed properties. Portfolio investors with 10, 20, or 50+ properties are welcome.
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Competitive rates, exceptional service, and we always close on time. No matter what your project is we have the solution.