Purpose-Driven Lending for Builders of Tomorrow

 A DSCR (Debt Service Coverage Ratio) rental loan is a type of real estate investment loan based on the property’s cash flow—not your personal income. Lenders use the rental income to determine if the property can cover the loan payments, making it ideal for investors who want to scale without using tax returns or W-2s.

Why Use Private Money for DSCR Loans?

✅ Faster Approvals – Private lenders can fund deals in days, not weeks.
✅ No Income Verification – Your loan is based on the property’s performance, not your financial history.
✅ Flexible Terms – Interest-only options and custom repayment structures to support your cash flow.
✅ Scale Your Portfolio – Use private money to access capital quickly and grow faster.

DSCR = Gross Rental Income ÷ Total Loan Payments

Example:
If a property earns $2,500/month and loan payments are $2,000/month, the DSCR is:
1.25 = $2,500 ÷ $2,000

Most lenders require a minimum DSCR between 1.0 and 1.25, meaning the rental income must cover or exceed the monthly loan payment.

This makes DSCR loans a powerful option for investors who want to qualify based on cash flow—not W-2s.