DSCR Loans for Small Multifamily and Rental Properties
A DSCR loan qualifies you on your property's rental income, not your personal tax returns. We originate DSCR financing for 1–4 unit rental properties — single-family, duplex, triplex, and quadplex. 650+ FICO, no personal income verification, business-purpose loans only.
Loan Parameters
- 1–4 unit residential investment properties
- Up to 80% LTV on purchase
- Minimum DSCR: 1.0x (rental income ÷ monthly payment including PITIA)
- Minimum credit score: 650 FICO
- 30-year fixed and ARM options
- Short-term rental (Airbnb/VRBO) income eligible with evidence
- Close in 10–14 business days
- No personal income verification, no tax returns
- Business-purpose only — investment properties only