DSCR Rental Loans

Scale Your
Rental Investments

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

Landlord handing over the keys to a rental house

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

Speak with a Loan Advisor

Unlock Cash Flow Potential

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

Featured Deals

  • DSCR Rental

    Loan Amount

    $ 204,750

    Location

    Omaha, NE

  • DSCR Rental

    Loan Amount

    $ 701,250

    Location

    Tampa, FL

  • DSCR Rental

    Loan Amount

    $ 543,750

    Location

    Washington, DC

  • DSCR Rental

    Loan Amount

    $ 131,250

    Location

    Milwaukee, WI

  • DSCR Rental

    Loan Amount

    $ 186,400

    Location

    Lincoln, NE

  • DSCR Rental

    Loan Amount

    $ 290,325

    Location

    Idaho Falls, ID

  • DSCR Rental

    Loan Amount

    $ 324,576

    Location

    Idaho Falls, ID

  • DSCR Rental

    Loan Amount

    $ 142,500

    Location

    Lincoln, NE

  • DSCR Rental

    Loan Amount

    $ 568,750

    Location

    Denver, CO

  • DSCR Rental

    Loan Amount

    $ 143,000

    Location

    Dover, DE

Trustpilot Reviews

Our Trustpilot reviews showcase real experiences from real borrowers, giving you confidence in LendingOne’s commitment to fast, reliable, and flexible financing.

Trustpilot

Hear From Satisfied Customers

Client Testimonials From Investors Like You

  • “Thank you!”
    “My wife and I worked with Sara and Sean and they’ve been so helpful throughout the entire process.”

    RJ

  • “The process went very well for me”
    “Justin and everyone else I spoke with were nice and friendly.”

    Carlos

  • “Customer support is awesome”
    “They get to know you and remember what your goals are and support you to achieve them!”

    Vernell

  • “Great service!”
    “Johnn Alvarez is great to work with. He’s professional and knowledgeable. I had a pleasure working with him twice already and he always comes through, making sure the process is smooth and straightforward. Can’t wait to use LendingOne again for my future lending needs.”

    Martyna

  • “Paul Farrington and his team are the very Best.”
    “Paul Farrington and his team are a joy to work with. It’s so refreshing to work with lenders who A) Understand the business and B) Are on your side, not some back office faceless droids working to complicate the process. Well done Paul and your team. its a 10 out of 10 from me.”

    David

  • “Professional all the way”
    “Very honest, constructive and has a “can do” attitude. Professional all the way. They make it happen, and very quickly. Unlike a bank where you beat your head againt the wall in frustration with the bureaucracy!”

    Tom

  • “Highly Recommend!”
    “Ed Kis was absolutely amazing! This was my first DSCR loan as a new investor and he was patient and explained the process to me step by step and walked me through to closing. Couldn’t be happier!”

    Melissa

  • “The loan process was fairly simple and in a timely manner”
    “The terms are competitive with our previous lenders. The loan application agent and processor are quick to answer questions or concerns. I would recommend LendingOne to other investors. Thank you”

    Michael

  • “Fast response time”
    “Several investing tools available. Friendly and helpful employees. Moved the loan process along in a timely manner. Trustworthy and great communication.”

    Oteria

  • “Great experience working with LendingOne”
    “Chace was professional and made the process seamless from start to finish. Looking forward to working with them again in the future!”

    Michael

Frequently Asked Questions

Find the answers to some commonly asked questions about our loans. For additional information, please visit our resource center.

Resource Center

What 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.

Ready to Get Started?

We’re here to support you every step of the way. Let’s work together to achieve your goals.

Apply Now