Rental property loans · rates updated weeklySign in to my loanSee my rateSee your DSCR rate in 60 seconds.
No credit pull. No sign-up to see the number. Prices come from our lenders' current rate sheets, updated every week.
- ✓No credit pull
- ✓Prices updated weekly
- ✓A real loan officer
Get your number
Use the rate tool above. Takes about a minute.
Upload your documents
Bank statements, the lease and LLC papers, from your phone. We tell you exactly what's needed.
Close with a real person
Francisco sends your file to the lender and walks you to the closing table.
Francisco, your loan officer
Your loan officer walks you through every step, from your first quote to the closing table.
How DSCR loans work
DSCR stands for debt service coverage ratio: the property's rent divided by its monthly payment. If the rent covers the payment, you can qualify.
We look at the property
A DSCR of 1.25 means the rent is 25% more than the payment. Most lenders want 1.0 or higher; some go lower.
No tax returns
No W-2s, pay stubs or tax returns. You'll need ID, bank statements for reserves, and the lease or a rent estimate.
We shop it for you
Your loan officer prices your file against many DSCR lenders and sends you the best 1–3 options.
Questions investors ask
Will checking my rate hurt my credit?
No. Seeing your rate here uses no credit pull. Your loan officer only pulls credit later, with your OK, when you're ready to apply.
What's the minimum credit score?
Many DSCR lenders start around 660. Higher scores get lower rates, which the calculator shows.
Can I close in my LLC?
Yes. Most DSCR loans close in an LLC, with you as the guarantor.
How much do I need down?
Usually 20–25% to buy, and up to 75–80% loan-to-value for a cash-out refinance. More down usually means a lower rate.
Do short-term rentals qualify?
Yes, many lenders use Airbnb or VRBO income history or a market rent estimate.
See your rate before you talk to anyone.
No credit pull. Takes about a minute.