DSCR Second Home Equity Loans
Unlock the equity in your investment property without touching your existing first mortgage. Our DSCR Second Equity Loan (HELOAN) lets you qualify using rental income only—no tax returns, no employment documentation, and no refinancing required.
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: Up to $3,000,000+ (varies on loan to value)
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
Program Highlights
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
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Financing Easy for Real Estate Investors
Why Choose a DSCR Second Equity Loan?
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 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
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
- Or whatever you want to do as long as its for business purposes
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 680
- Prior real estate investing experience (helpful but not always required)
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!