DSCR Rental Loans
Scale YourRental Investments
Grow your long-term rental properties with flexible DSCR Rental Loans for new purchases, refinances, and cash-outs.

DSCR Rental Loans for Every Strategy
Real estate investors and landlords looking to expand their rental property portfolio face challenges securing long-term financing with competitive rates, flexible terms, and the high leverage amounts needed for their property to generate the most cash flow.
Benefits of DSCR Rental Loans
We offer DSCR Rental Loans for all investor strategies: long-term, month-to-month, and short-term vacation rentals (i.e., Airbnbs). We offer competitive rates, simple terms, fast approvals, and 30-year fixed, ARMs, and interest-only loan options.
Product Highlights
Here’s how our DSCR rental loan program gives you an advantage with features tailored to your investment needs:
- Options for negative cash flowing and break-even properties
- 90-day seasoning for cash-out refinances
- Complimentary 45-day rate lock
- Full point buy downs available
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DSCR Loans for Rental Investors
Our tailored loans were designed with investors in mind, so you have the capital to invest with confidence.

A Suite of Loan Options
From long-term holds to short-term rentals, we offer a range of DSCR loan products covering every rental investor strategy.

More Flexible Terms
We base approval on the property’s ability to generate income, offering you greater flexibility in terms, credit requirements, and leverage.

Better Than A Bank
Unlike with traditional banks, we don’t require income verification, tax returns, or W-2s, simplifying the process.
Tailored Solutions with Proven Results
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Frequently Asked Questions
Find the answers to some commonly asked questions about our loans. For additional information, please visit our resource center.
Resource CenterWhat property types do your DSCR Rental Loans cover?
LendingOne provides DSCR Rental Loans for the following loan types:
1. Single Family Residences
2. 2-4 Unit Properties
3. Condominiums
4. Townhouses
Do you require personal income verification on DSCR rental loans?
No, LendingOne does not require W-2s or tax returns.
What are your DSCR Rental Loan amounts?
LendingOne’s rental loan amounts cover between $70K to $2M.
What does Debt Service Coverage Ratio (DSCR) mean?
Debt Service Coverage Ratio (DSCR) is a calculation used to assess a property’s potential to cover its own expenses. It is calculated by dividing the Net Operating Income (NOI) by Total Debt Service (TDS).
If the number is over 1, the property is generating enough income to cover its debt.
If the number equals 1, the property is breaking even.
If the number is less than 1, the property isn’t generating enough income.
Can I live in my rental property that I am trying to finance?
No. LendingOne only provides loans for non-owner occupied (investment) properties, not primary residences.
How much leverage can I receive on your DSCR Rental Loans?
Leverage amounts will be based on a variety of approval factors, but LendingOne can provide up to 80% LTV for purchases and refi’s and Up to 75% LTV cash-outs.
Is there a prepayment penalty?
We offer flexible prepayment penalty options. From 0 year to 5 year.
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