DSCR Rental Property Loans

Buy Or Refinance Your Home. No Tax Returns Required! LTV Up To 80% For Cash Out Or 85% For Home Purchases.


Need a DSCR Loan?

Equinox Home Financing offers a DSCR Rental loan program. Loans for real estate investors looking to buy a long-term or short-term rental. Loans available with no income, based on a property’s potential cash flow – not your tax returns.

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How It Works

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Call or Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes. 

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Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved. 

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Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund. 

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Why Equinox?

Here at Equinox Home Financing, we pride ourselves on providing solutions to self-employed home buyers and borrowers. If you can’t provide proof of income or you are like most other business owners who have an overage of tax deductions, we can help you! 

Yes, We are the Rental Property Mortgage Experts.

Here at Equinox Home Financing, we’ve helped thousands of clients either buy a home or refinance their mortgage by using a DSCR Rental loan. Once we have reviewed your loan application, we will be highly certain that you do qualify. This is why our conversion ratio is so high. Don’t believe us? Call us today to find out.

Funded DSCR Rental Loans


Application to Closing Conversion

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Answers to Your Questions

What is a DSCR Rental Loan?

A Debt Service Coverage Ratio (DSCR) loan is for purchasing or refinancing investment properties. Instead of using your personal income to qualify, we look at the property’s ability to generate rental income. The property’s expected rental income is compared to the monthly mortgage payment and other property expenses. The DSCR loan allows homebuyers build their real estate portfolios since personal income is not a factor. 

Is My Credit Score a Factor in Getting Approved?

When doing a DSCR Rental loan, we do look at your credit score. These programs are a lot more lenient than traditional loans are so we can go as low as a 600 FICO score at times. Also when doing a DSCR Rental loan, we are very easy on past short sales, foreclosures, or derogatory credit. If your financial situation makes sense today, we can lend you the money you need for a DSCR Rental purchase loan or a refinance loan.

What Kind of Loan Terms Do You Offer?

Bank Statement loans come in all types of loan terms. It’s a very flexible program that can help you get the payment that you need. DSCR Rental loans are available as a 5 Year Adjustable Rate Mortgage which will get you the best interest rates. If you want a longer term, we have a 7 Year Adjustable Rate Mortgage available and a 30 Year Fixed Rate option available as well. Some borrowers prefer interest only payments which we can do as well, so that you can keep your monthly payments as low as possible.

How Do I Get Qualified?

The process is simple. When most people call us, they are usually skeptical about the program and if they can really qualify. Here at Equinox Home Financing, we have been providing these programs since they have been made available and have been able to help many borrowers purchase or refinance their homes. First step is to call us, a professional will help consult you and explain how our programs work in detail. There are many types of programs and it’s best to speak with us so we can guide you in the right direction.

What Type of Properties Can I Finance?

It depends what 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, condo’s and 1-8 unit properties.

Our Latest Funded Loans

Take a look at some of the loans we recently funded for our self-employed customers

cali house

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


Read what our customers are raving about

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What Are You Waiting For?

Call us today. A licensed representative is on stand by to help you with your financing needs. There’s no need to wait any longer. Get financing now!