DSCR Second Equity Home Loans
Starting As Low As 8.375% / 8.509% APR*
APPLY NOW
DSCR Second Equity Loan: Program Highlights & Investor Benefits
Our DSCR Second Equity Loan (HELOAN) is built specifically for real estate investors who want to tap their property’s equity without refinancing their first mortgage. Qualification is based entirely on cash flow and DSCR, not tax returns or traditional income requirements.
Program Features
- Loan Amounts: $100,000 to $750,000 depending on equity and property type
- Minimum Credit Score: 680+ required for approval in most DSCR HELOAN programs
- Maximum CLTV: Up to 80% combined loan‑to‑value allowed on investment properties
- Minimum DSCR: 1.0 accepted, meaning the property can break even and still qualify
- Documentation: No income verification, only actual rents received or market rents
- Eligible Properties: Short‑term and long‑term rental properties, including Airbnb/VRBO units
How It Works
Call or Apply Online
Get Approved
Close and Fund
Equinox Makes Financing Easy for Real Estate Investors
At Equinox, we specialize in investment property loans designed for rental income qualification. You’ll work with an advisor who understands DSCR mortgages and investor timelines, offering professional support from start to finish.
Why Choose a DSCR Second Equity Loan?
- Investors who want to keep their low‑rate first mortgage and avoid a refinance
- Borrowers with complex income, heavy write‑offs, or limited documentation
- Owners of both short and long-term rentals needing fast, flexible equity access
- Investors purchasing additional properties or expanding portfolios
- First‑time investors who meet DSCR and equity requirements
- Property appraisals may not be required, close in under 21 days
- Cash in your home is not cash in your bank!
We are the Alternative Mortgage Financing Experts.
At Equinox Home Financing, we’ve helped thousands of borrowers purchase and refinance homes using some of the industry’s most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.
Funded Home Loans
%
Application to Closing Conversion
Answers to Your Questions
What is a DSCR Home Equity Loan?
It’s a property investment loan that sits behind your first mortgage, allowing you to access capital without a full refinance.
- Approval is based on your rental property’s cash flow (its Debt Service Coverage Ratio)
- No W-2s, tax returns, or employment verification required
- Fixed-rate, lump-sum disbursement for predictable payments
- Preserves the low interest rate on your existing first mortgage
This loan is designed for real estate investors who want flexible investment property financing without conventional underwriting requirements.
How Is This Different from a Cash-Out Refinance or a HELOC?
Each of these three options gives you access to capital, but they work very differently.
- A cash-out refinance replaces your existing mortgage with a new, larger loan
- A HELOC provides a revolving line of credit secured as a second lien on your property
- A DSCR second mortgage is a fixed-rate loan added as a second mortgage behind your existing first mortgage
Unlike a cash-out refinance, a DSCR second mortgage preserves your low first mortgage rate. Unlike a HELOC, it offers fixed rates and predictable payments.
What Types of Properties Qualify?
DSCR second equity loans are designed specifically for income-producing properties.
These may include:
- Long-term rental properties
- Short-term or vacation rentals (with verified occupancy)
- Multifamily properties (2-4 units), condos, and single-family homes
- Properties owned individually or in an LLC
- Small commercial or mixed-use properties
Primary residences and owner-occupied homes do not qualify, as DSCR loans focus on investment cash flow, not personal use.
How Can I Use the Funds from This Loan?
You have flexible options for deploying your capital to grow your portfolio.
You may be able to:
- Cover renovation costs to increase a property’s rental value
- Consolidate investment-related business debt
- Build cash reserves for vacancies or investment opportunities
What Are the Requirements to Qualify?
Property & Loan Requirements May Include:
- Property performance and market strength
- Maximum Combined Loan-to-Value (CLTV) is typically around 70-75%
- Minimum DSCR is typically around 1.0–1.25
Borrower Requirements May Include:
- Strong credit score, commonly above 640
- Prior real estate investing experience (helpful but not always required)
What Are You Waiting For?
Call us today. A licensed representative is on standby to help you with your financing needs. There’s no need to wait any longer. Get financing now!
*Disclaimer: Advertisement rate and APR Disclosure: Interest rate and APR displayed is from 1/16/26 and is based on a cashout, 50% LTV, 800 FICO, $500,000 loan amount, 1.5 DSCR ratio, and a 5 Year Prepayment Penalty. Example: $500,000 X 8.375% /8.509% APR= $3800.36 P&I monthly payment.