DSCR Rental Property Loans

Starting at 5.5% / 5.88% APR*

Qualify based on property cash flow — not personal income. Scale your rental portfolio without traditional income restrictions.

Loan amounts to $3 Million
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.

House backyard with Pool and sitting area

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

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.

Get Approved

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

Fund

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.

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.

Get Approved

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

Fund

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.

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.

Hand holding key

Why Choose a DSCR Rental Loan?

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Investors who’ve maxed out conventional DTI
9
Business owners with aggressive tax strategies
9
Short-term rental operators
9
Buyers expanding into new markets
9
Investors refinancing out of conventional loans
9
Portfolio builders wanting faster approvals
Property cash flow may support qualification independent of personal income.

Cash flow > personal income.

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

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Application to Closing Conversion

Funded Home Loans

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Application to Closing Conversion

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 to 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 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 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.

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