DSCR Rental Investment Property Loans
Fast, Easy Funding for Real Estate Investors
Tailored DSCR rental loan solutions for cash-flowing investment properties. Whether you’re buying a property or cashing out capital in a refinance, we have loan options for you. Programs are available for both long-term rentals and short-term rentals (Airbnb, VRBO).
A DSCR loan (Debt Service Coverage Ratio) is primarily based on the cash flow of the property rather than the borrower’s income. A traditional mortgage loan requires income verification, tax returns and a Debt-to-Income (DTI) ratio — DSCR loans require none of these.
Loan programs are available for employed, self-employed and non-traditional income borrowers. Purchase, Rate and Term, and Cash-Out Refinance programs available, including Sub-1 Ratio options.
Basic Criteria – Individual
Here is what you need to qualify for a DSCR Rental Loan:
Minimum FICO: 640+ Property Types: 1-8 units Purchase and Rate/Term Refi: Up to 80% LTV Cash-Out Refinance: Up to 75% LTV Term Length: 30-year fixed (P&I or IO), Hybrid ARMs (5, 7 and 10), Interest-only options Loan Amount: $50,000 – $3,000,000 Prepayment Penalties: 0 – 5 years Documentation: No tax returns required Property Values: Minimum property “as-is” value thresholds may apply
Long-Term and Short-Term Rental Options Available for Foreign Nationals
Basic Criteria – Portfolio
Here is what you need to qualify for a Portfolio Rental Loan:
Investor Portfolio: Minimum 3+ rental properties Minimum FICO: 660+ Property Types: SFR, Multifamily, Condo, Townhome Purchase and Rate/Term Refi: Up to 80% LTV Cash-Out Refinance: Up to 75% LTV Term Length: 3, 5, 7, 10 or 30-year — fixed rate, ARMs, fully amortizing or interest-only Loan Amount: $250,000 – $50,000,000 Prepayment Penalties: 0 – 5 years Minimum property “as-is” value threshold and occupancy rate may apply
Why Work with Eagle Bend Capital Financing?
Eagle Bend Capital Financing offers the financing you need, when conventional lending sources cannot. We work with a broad network of lending partners to help businesses secure flexible working capital solutions tailored to their needs.
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If you would like to learn more about our DSCR Rental and Portfolio Loans, or any of our other product solutions, contact us today.