DSCR Rental Loans
Scale Your Rental Investments
Scale your rental portfolio with flexible DSCR rental loans for purchases, refinances, and cash-outs.
No tax returns, W2s, or paystubs required
Business-purpose loans, close under an LLC
Complimentary 45-Day Rate Lock
90-Day seasoning for cash-out refinances
Discover the Benefits of DSCR Rental Financing
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors looking to build long-term, scalable wealth by purchasing or refinancing income-producing properties. Because qualifications are based on the property’s cash flow, rather than personal income, our DSCR loans offer flexible options for long-term holds, month-to-month leases, and short-term rentals.
Your DSCR Rental Loan, Simplified
Cash-Flow Focused. Long-Term Financing. Scalable for Growth.
As low as
0.75 DSCR
30 year fixed, 5/1 & 10/1 ARMs
Interest-Only Available
5 year
to No Prepay
Up to 80% LTV
(Purchase/Rate-Term)
Up to 75% LTV
(Cash-Out)
Up to $2M
Loan Size
Analyze a Property & Get a Quote
Run ARV and DSCR calculations with estimated rental ranges, holding costs, and financing options tailored to real estate investors.
Run a cash flow analysis
$20,900,000
Fort Collins, CO
DSCR Rental Loans for Every Strategy
Tailored loans designed with investors in mind, so you have the capital to invest with confidence.
Speak With a Loan Advisor
Scalable DSCR Solutions for Every Investor
Early-Stage Investors
Starting your rental portfolio doesn’t have to mean starting small. We make it easy for investors to confidently grow their rental properties with reliable financing that keeps the momentum going toward your next acquisition.
Experienced Investors
When you’re ready to accelerate portfolio growth, you need financing that moves as fast as you do. We work with experienced DSCR rental investors every day by providing high leverage, flexible terms, and quick closings to help you expand efficiently.
Portfolio Investors
For investors managing multiple doors or large-scale portfolios, efficiency and scale are everything. Our DSCR programs support portfolio-level growth with structured capital and experience to assist serious investors in building long-term wealth.
LendingOne vs.
Traditional Lenders
| Feature | DSCR Loans | Conventional Loans |
|---|---|---|
| Qualification | Based on property rental income and DSCR | Based on borrower income and DTI |
| Documentation | Less documentation with no W2s or income verification required. | Full: W-2s, tax returns, AUS, etc. |
| Speed | Faster closings, built for investors | Slower, more verification |
| Flexible Financing | Flexible terms tailored to investor’s goals and needs | Less flexibility and more standardized terms. |
| Ownership | LLCs, trusts, with guarantees allowed | Often personal name only |
| Short-term rentals | Commonly allowed | Often restricted |
Earned 14K profit on a tax-sale deal after a 14-month title delay
Grew portfolio to four properties between 2020-2025 with LendingOne financing.
Overcame tenant default issues, improving rent stability and cash flow.
Testimonials
Recently Funded DSCR Rental Deals
Location
Omaha , NE
Location
Tampa , FL
Location
Washington , DC
Location
Milwaukee , WI
Location
Lincoln , NE
Location
Idaho Falls , ID
Location
Idaho Falls , ID
Location
Lincoln , NE
Location
Denver , CO
Frequently Asked Questions
Debt Service Coverage Ratio (DSCR) measures a property’s ability to cover its debt obligations using net operating income. A DSCR above 1 means income exceeds expenses, 1 means the property breaks even, and below 1 indicates income is insufficient to cover debt.
LendingOne provides DSCR rental loans for a wide range of investment property types, giving you flexibility in building or scaling your portfolio. Eligible properties include single-family residences, 2-4 unit properties, condominiums, and townhouses — all of which are considered non-owner-occupied investment assets.
Long-term rentals provide stable cash flow with lower vacancy risk. Underwriting is based on appraisal and rent schedule or lease, though investors should budget carefully for taxes, insurance, and HOA costs.
Short-term rentals are underwritten using market rent or historical income, offering higher gross income potential. Volatile income and higher operating costs make reserves an important consideration for investors.
Multi-unit properties spread risk across several tenants, lowering vacancy exposure. Underwriting relies on an appraisal and rent roll or market rent analysis, with close attention to turnover and shared expenses.
No, LendingOne does not require personal income documentation such as W-2s or tax returns when you apply for a DSCR rental loan. Instead, qualification is based on the property’s ability to generate rental income, making the process more streamlined for investors.
LendingOne’s DSCR rental loan amounts range from $85,000 to $2,000,000. This range allows us to support investors financing smaller individual rental properties, as well as those scaling into larger multi-unit portfolios, providing flexible solutions for different investment strategies.
No. LendingOne’s DSCR rental loans are only available for investment properties, not for primary residences or second homes. These loans are designed specifically for non-owner-occupied real estate intended to generate rental income and build long-term investment value.
Leverage depends on property type, loan purpose, and underwriting approval. LendingOne offers up to 80% LTV for purchases and refinances, and up to 75% LTV on cash-out refinances, allowing you to maximize financing while retaining equity.
Yes, there may be a prepayment penalty depending on the loan option selected. LendingOne offers flexible terms, with penalty periods ranging from zero to five years, so investors can choose the structure that best aligns with their strategy.
Analyze a Deal and Get a Rate Quote
Run ARV and DSCR calculations, estimate rental income and holding costs, and view financing options tailored to real estate investors.