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Debt Service Coverage Ratio (DSCR) Loan

Build Rental Income That Scales

Based on rental income, not personal income — qualify from property performance
Fast, streamlined approvals — fewer steps, less paperwork, quicker closings
Built for portfolio growth — buy or refinance single or multiple rentals
Designed for active borrowers — scale faster and recycle capital efficiently
Checking your DSCR is 100% free, requires no commitment, and does not impact your credit.
DSCR Loan Overview
DSCR Calculator

Quickly Analyze Your Deal

— DSCR
Est. Monthly Payment
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Monthly Rent
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Total Debt Service
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Net Cashflow
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Get Approved →
DSCR Loan Guidelines

DSCR Loan Requirements & Eligibility

These are the standard qualification guidelines used to evaluate DSCR rental property loans. Final terms vary based on property cash flow and investor profile.

Credit Profile
Minimum FICO 650

Credit is reviewed but income documentation is not required.

Loan Size
$100K – $3.5M

Flexible financing for both small and large rental portfolios.

Loan-to-Value
Up to 80% / 75% Cash-Out

High leverage options for acquisition and refinance strategies.

Loan Term
30-Year Options

Long-term financing designed for stable rental income strategies.

Eligible Properties
1–4 Units + Multifamily

SFR, condos, townhomes, duplexes, and up to 11-unit properties.

Seasoning
Not Required

Investors can refinance or acquire without waiting periods.

Request a Term Sheet
The standard for DSCR lending in today's investor market

Why Choose LGV Capital for DSCR Loans

LGV Capital works with investors who are actively acquiring, refinancing, and scaling — offering DSCR loan options that support real portfolio growth, not one-off transactions.

Long-Term Rental DSCR Loan

Finance single-family and small multifamily rentals on lease income alone

LTR DSCR loans are underwritten on your executed lease or market rent — whichever is higher. No W-2. No tax history. The lease is your income verification.

SFR, condos, townhomes, and 2–4 unit properties all qualify
Market rent accepted when no lease is in place — no vacancy penalty
30-year fixed or ARM options — structure for long-term hold or flip to refinance
Stack unlimited properties — no Fannie Mae 10-property cap
Get a Term Sheet →
LTR Loan Parameters
Loan size$100K – $3.5M
Max LTV (purchase)Up to 80%
Max LTV (cash-out refi)Up to 75%
Min. DSCR0.75+
Min. credit score650+
Prepayment options3/2/1, 5/4/3/2/1 step-down
Seasoning requiredNone
LLC & entity vesting accepted
Short-Term Rental DSCR Loan

Airbnb and VRBO financing that banks won't touch — LGV Capital will

Most banks decline short-term rental loans outright. LGV Capital underwrites STR income using AirDNA market projections or trailing 12-month platform data — whichever supports your deal.

Airbnb, VRBO, and STR platform income accepted for qualification
Market rent projections used for new STR acquisitions with no rental history
SFR, condos, and vacation properties in STR-friendly markets
No personal income required — qualify on projected nightly revenue
Finance My STR →
STR Loan Parameters
Income sourceSTR projections or T12
Loan size$100K – $3.5M
Max LTVUp to 75%
Min. DSCR0.75+
Min. credit score650+
Eligible marketsSTR-permissive markets
W-2 or tax returnsNot required
New STRs with no rental history welcome
Multifamily DSCR Loan

Scale into 2–11 unit properties without personal income holding you back

Multifamily DSCR loans are underwritten on the combined rental income across all units. More doors means more income — and a stronger DSCR ratio to qualify on. LGV Capital lends on properties up to 11 units.

Duplex, triplex, quadplex, and up to 11-unit multifamily properties
Combined gross rents across all units used for DSCR calculation
Mixed occupancy accepted — partially vacant properties can still qualify
Hold in LLC or entity — no personal guarantee required
Get a Term Sheet →
Multifamily Loan Parameters
Property type2–11 units
Loan size$100K – $3.5M
Max LTV (purchase)Up to 75%
Max LTV (cash-out)Up to 70%
Min. DSCR0.75+
Min. credit score650+
Income docsNone required
Partial vacancy still qualifies
BRRRR DSCR Refinance Loan

Pull your equity out fast — no seasoning required, no income docs needed

The BRRRR strategy only works if you can refinance quickly. LGV Capital's DSCR cash-out refinance has no seasoning requirement — meaning you can refinance immediately after stabilizing, not 6–12 months later.

No seasoning period — refinance as soon as the property is stabilized
Cash-out up to 75% LTV based on current appraised value
Redeploy equity into your next acquisition without liquidating the asset
Qualifies on post-rehab rental income — not your personal tax returns
Start My BRRRR Refi →
BRRRR Refinance Parameters
Seasoning requiredNone
Max cash-out LTVUp to 75%
Loan size$100K – $3.5M
Min. DSCR0.75+
Income qualificationPost-rehab rent
Min. credit score650+
W-2 or tax returnsNot required
Close in 2–3 weeks from stabilization
Interest-Only DSCR Loan

Maximize monthly cash flow with interest-only DSCR financing

Interest-only DSCR loans lower your monthly debt obligation — which improves your DSCR ratio and maximizes net cash flow during the IO period. Ideal for investors optimizing monthly returns while holding for appreciation.

Lower monthly payment = higher DSCR ratio = easier qualification
IO periods available — maximize cash flow while the asset appreciates
Qualify on rental income only — no personal income or employment check
Available on SFR, multifamily, and STR properties under $3.5M
Explore IO Options →
Interest-Only Loan Parameters
Payment structureInterest only (IO)
Loan size$100K – $3.5M
Max LTVUp to 75%
Min. DSCR0.75+ (IO adjusted)
Min. credit score650+
Eligible propertiesSFR, MF, STR
Income docsNone required
Higher cash flow from day one

LGV Capital vs. Bank DSCR Loans

Factor LGV Capital DSCR Loan Bank DSCR / Portfolio Loans
Qualification basisProperty cash flow onlyDSCR + personal financials
Income verificationNo tax returns or W-2 needed2 years returns required
Minimum DSCRAs low as 0.75Typically 1.20+
Time to close~2–3 weeks30–60+ days
Entity / LLC vestingYes — fully supportedRarely allowed
Portfolio limitNoneOften capped at 10
STR / Airbnb incomeAccepted with projectionsUsually declined
Cash-out seasoningNot required6–12 months typical
Minimum credit score650+700+ required
Best forScaling portfolios fastLong-term bank relationships

For investors building something bigger.

Financing that fits into how you actually operate — across acquisitions, refinances, and everything in between.

Get Approved Today → No cost. No obligation. No credit impact.
Real estate investor applying for DSCR loan
Simple 4-Step Process

How to Apply for a DSCR Loan With LGV Capital

Get approved using property cash flow, not personal income. No tax returns. No W-2s. Built for real estate investors who need speed and scale.

1
Submit Loan Request
Provide basic property and deal details in under 2 minutes.
2
Property Analysis
We evaluate rental income and DSCR performance instantly.
3
Loan Terms Issued
Receive optimized financing options tailored to your deal.
4
Close & Fund
Fast closings designed for investors who move quickly.
Start DSCR Application
DSCR Loan FAQs

Common DSCR Loan Questions, Answered

A DSCR loan is an investment property loan that qualifies borrowers based on rental income instead of personal income. Lenders evaluate whether the property's cash flow can cover the mortgage payment.

DSCR is calculated by dividing rental income by total monthly debt obligations, including principal, interest, taxes, insurance, and HOA. A ratio above 1.0 means the property covers its debt.

A DSCR of 1.0 is break-even. Most lenders prefer 1.1 to 1.25 or higher for stronger approvals, better rates, and higher leverage.

Typical DSCR loan requirements include a 650+ credit score, 20–25% down payment, DSCR ratio of 0.75 or higher, and a cash-flowing investment property.

No. DSCR loans do not require W-2s, tax returns, or employment verification. Approval is based on rental income and property performance.

DSCR loan rates vary based on credit score, DSCR ratio, loan-to-value, and property type. Rates change frequently, so the most accurate pricing comes from requesting a term sheet.

Yes. Many lenders allow DSCR loans with credit scores starting around 620–650, though stronger credit profiles receive better terms and rates.

Yes. Many DSCR lenders allow short-term rental income using projections or historical data, depending on the market and property type.

Lenders use current lease agreements or market rent determined by an appraisal to calculate rental income for DSCR qualification.

Yes. DSCR loans are commonly issued to LLCs and business entities, making them ideal for investors building rental portfolios.

Most DSCR lenders do not have a strict property limit, allowing investors to scale and acquire multiple rental properties.

Eligible properties include single-family homes, condos, townhomes, and multifamily properties used for rental income.

Yes. Investors often use DSCR loans for cash-out refinancing once a property is stabilized and producing consistent rental income.

Most DSCR loans close in 2 to 4 weeks depending on appraisal timelines, title, and lender processing speed.

Many DSCR loans include prepayment penalties, typically ranging from 1 to 5 years, though some lenders offer reduced or no prepay options.

Most DSCR loans require a 20% to 25% down payment, though higher leverage options may be available depending on the deal strength.

Yes. Many DSCR lenders allow first-time investors as long as the property cash flows and meets minimum loan requirements.

Still have questions?

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Investor Feedback

"I've closed a lot of deals, so I'm familiar with how financing usually goes. LGV Capital was one of the few groups that actually made things easier, not harder. They were responsive, organized, and genuinely on top of everything. I also appreciated the follow-up after the loan closed."

Claire W.

LGV Capital Investor

Claire W., verified LGV Capital investor and real estate borrower
★

Verified Investor