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DSCR Program Center
DSCR Loan Programs Built Around Your Rental Property
Purchase, refinance, or access equity using the property’s qualifying rental income. Compare the available financing paths and choose the one that best matches your investment goal.
Submit online for specialist review and pricing follow-up.
Purchase
Refinance
Cash-Out
STR & LLC
Choose Your Loan Goal
Start with the transaction you want to complete
Each path leads to a focused page with the information, questions, and next step that match the investor’s goal.
01
Purchase a Rental Property
Review a new long-term rental, eligible short-term rental, or other investment-property acquisition.
02
Refinance an Existing Rental
Review the current payoff, property value, rent, financing structure, and refinance objective.
03
Access Rental-Property Equity
Review eligible cash-out financing for reserves, improvements, acquisitions, or another approved business purpose.
Explore Every Financing Path
A complete DSCR program directory
Use the overview below to reach the page that matches the property, ownership structure, or transaction objective.
P
DSCR Purchase Loans
For eligible investment-property acquisitions supported by the property and complete transaction.
R
DSCR Refinance
For eligible rental properties when the investor wants to review the current financing structure.
C
DSCR Cash-Out Refinance
For eligible equity access tied to an approved business or investment purpose.
S
Short-Term Rental Loans
For eligible Airbnb, VRBO, vacation-rental, and other short-term-rental scenarios.
L
LLC Rental Property Loans
For eligible entity-held properties subject to ownership, guarantor, title, state, and program review.
H
Rental Property Loans
For investors comparing financing paths for eligible income-producing residential properties.
I
Investment Property Loans
For business-purpose investor financing centered on the asset and complete transaction.
?
DSCR Loan Requirements
Understand the property, borrower, credit, reserves, appraisal, title, and transaction information a lender may review.
Strategy and Ownership
Match the financing path to the way the property is operated and held.
Property use, rent support, title, entity structure, guarantors, state, appraisal, and investor guidelines all affect the final review.
Find the Right Starting Point
Choose the page that matches the scenario
Swipe left or right to compare the table.
| Your situation | Recommended starting point |
|---|---|
| Buying another rental property | DSCR Purchase Loans |
| Refinancing the current rental-property balance | DSCR Refinance |
| Accessing accumulated rental-property equity | DSCR Cash-Out Refinance |
| Financing a vacation rental or eligible STR | Short-Term Rental Loans |
| Closing or holding title in an eligible entity | LLC Rental Property Loans |
| Estimating property coverage and leverage | DSCR Calculator |
| Understanding the review factors | DSCR Loan Requirements |
| Confirming current geographic availability | State Availability |
How the Review Works
From loan goal to complete lender review
The first review helps organize the transaction. Final eligibility and terms require complete documentation, property review, underwriting, and lender approval.
1
Select the goal
Purchase, refinance, or cash-out.
2
Enter the property
Share the property, rent, value, payoff, and ownership details.
3
Review the scenario
The Deal Desk reviews the property, rent, obligations, leverage, and loan goal.
4
Continue when eligible
Application, documentation, appraisal, title, and underwriting follow.
5
Final lender decision
Eligibility and terms are determined after complete lender review.
Compare the Core Paths
A practical view of the main DSCR scenarios
Swipe left or right to compare the table.
| Program path | Primary purpose | Helpful starting information | Explore |
|---|---|---|---|
| Purchase | Acquire an eligible rental or investment property. | Purchase price, rent, property type, estimated value, requested loan amount, and vesting. | Purchase Loans |
| Rate-Term Refinance | Review the financing structure on a currently owned rental. | Estimated value, payoff, rent, current payment, title, and refinance goal. | Refinance |
| Cash-Out Refinance | Review eligible equity access for an approved business purpose. | Estimated value, payoff, requested proceeds, rent, seasoning, and use of funds. | Cash-Out |
| Short-Term Rental | Review an eligible vacation-rental or STR scenario. | Property, market, rent support, operating history when applicable, and requested structure. | STR Loans |
| LLC / Entity Vesting | Review an eligible entity-held investment-property transaction. | Entity type, ownership, guarantors, title, state, and transaction details. | LLC Loans |
Investor Resources
Understand the numbers and the next step
DSCR Loan RequirementsReview the information and transaction factors the lender may consider.
DSCR CalculatorEstimate property obligations, DSCR, and LTV for planning purposes.
DSCR Loan ProcessSee what may happen after the initial scenario review.
DSCR Loan FAQsRead clear answers about calculations, property use, ownership, and review.
State AvailabilityReview the current business-purpose availability directory and structure notes.
Not Sure Which Program Fits?
Tell us the property and the loan goal.
Submit your property and loan goal online. A specialist reviews the scenario and follows up with pricing and next steps.
Program review notice. Property, borrower, credit, leverage, reserves, appraisal, title, vesting, state, lender, and investor requirements determine final eligibility. This page does not promise rates, terms, approval, or closing timing.