DSCR Rental Property Loans
Qualify based on property cash flow — not personal income. Scale your rental portfolio without traditional income restrictions.
FICO scores to 660
85% Max LTV
No tax returns, no W-2s, no personal DTI caps!
Apply Now
DSCR Rental Property Loan: Program Highlights & Investor Benefits
Our DSCR Rental Property Loan is designed for real estate investors who qualify based on property cash flow — not personal income.
Instead of tax returns, W-2s, or debt-to-income ratios, approval is based on the property’s Debt Service Coverage Ratio (DSCR).
Property cash flow is a primary factor in DSCR evaluation.
This is built for investors who want to scale without traditional income restrictions.
Program Features
Loan Amounts: Up to $3,000,000+ (varies on loan to value)
Income Documentation: No personal income required
Min Credit Score: Typically 660+ (680+ preferred for better terms)
DTI: Not calculated
Min DSCR: 0 however 1.0+ is preferred for better rates and terms
Property Types: Single family residence, condo, 1-4 units, long-term and short-term rentals (Airbnb / VRBO)
Max LTV: Up to 85% depending on property and experience
Occupancy: Non-owner occupied only
Reserves: Typically 3-6 months required
No tax returns.
No W-2s.
No personal DTI caps.
Qualification is property income-based.
Program Highlights
Loan Amounts: Up to $3,000,000+ (varies on loan to value)
Min Credit Score: Typically 660+ (680+ preferred for better terms)
Min DSCR: 0 however 1.0+ is preferred for better rates and terms
Max LTV: Up to 85% depending on property and experience
Income Documentation: No personal income required
DTI: Not calculated
Property Types: Single family residence, condo, 1-4 units, long-term and short-term rentals (Airbnb / VRBO)
Occupancy: Non-owner occupied only
Reserves: Typically 3-6 months required
No tax returns.
No W-2s.
No personal DTI caps.
Qualification is property income-based.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Investor Financing Strategic
At Equinox, we specialize in working with:
- Portfolio builders
- Short-term rental operators
- Fix-and-hold investors
- Self-employed investors with heavy write-offs
We don’t just look at “rent vs payment.” We evaluate:
- Market rent analysis
- Short-term rental income models
- Equity layering
- Exit strategy options
- Portfolio scalability
Because scaling real estate isn’t about one deal.
It’s about structure.
Why Choose a DSCR Rental Loan?
Property cash flow may support qualification independent of personal income.
Cash flow > personal income.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
%
Application to Closing Conversion
Funded Home Loans
%
Application to Closing Conversion
Answers to Your Questions
What is a DSCR Rental Loan?
Is My Credit Score a Factor in Getting Approved?
What Kind of Loan Terms Do You Offer?
How Do I Get Qualified?
What Type of Properties Can I Finance?
It depends on the type of loan program you are qualified for. With a DSCR Rental loan program, we can only offer this loan on investment properties. We can lend on single-family residences, condos, and 2-10 unit properties. Learn more about our DSCR loan program for 5-10 unit investment properties.
Our Latest Funded Loans
Los Angeles, California
Bank Statement Loan
10% Down Payment
$1,200,000 Loan Amount
Tampa, Florida
Bank Statement Loan
25% Down Payment
$475,000 Loan Amount
Plano, Texas
2 Year 1099 Loan
15% Down Payment
$505,000 Loan Amount
Check out our Hundreds of 5 Star Reviews
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!


