Investor Loans

Qualify based on rental property cash flow, not personal income.

Traditional financing does not always fit the way real estate investors grow. Debt Service Coverage Ratio (DSCR) loans allow eligible borrowers to qualify using the rental income of the subject property instead of personal income documentation.

DSCR loans are built for investors who want flexible financing for income-producing properties. Whether you are buying a short-term rental, refinancing a long-term rental, or expanding your portfolio, this loan option focuses on the numbers that matter most: property cash flow and DSCR ratio. No tax return gymnastics. No unnecessary personal income hurdles. Just financing designed around your investment strategy.

INVEST SMARTER. BORROW EASIER

A Debt Service Coverage Ratio (DSCR) loan helps investors qualify based on the subject property’s rental income compared to its monthly debt obligation.

If the property generates enough income to support the loan, a DSCR loan may help you move forward without relying on W-2s, tax returns, or personal income verification. Real estate investing often requires speed, flexibility, and the right loan structure. investor loans are designed to help you act when the right property or refinance opportunity appears. With options for purchase and refinance, you can structure financing around your next move and long-term portfolio goals. Your investment strategy should not be slowed down by traditional income documentation. If the subject property cash flows, a DSCR loan may help you get your next deal across the finish line. Smarter investments start with better lending tools.


Key benefits may include:

  • Qualify based on subject property rental income
  • Ideal for short-term and long-term rental strategies
  • Loan amounts from $100K to $3M
  • Up to 80% LTV*
  • DSCR ratio down to 0.75
  • Minimum credit score: 640
  • Fixed-rate and ARM options
  • Fully amortizing or interest-only options
  • Title vesting in an LLC allowed
  • Purchase, rate/term refinance, and cash-out refinance options


Whether you are focused on Airbnb-style short-term rentals or building a portfolio of long-term rental properties, DSCR loans can help keep your investment plans moving. This flexible financing option may be a strong fit for:

  • Short-term rental investors
  • Long-term rental investors
  • Real estate portfolio builders
  • Investors refinancing to free up cash
  • Borrowers purchasing income-producing properties
  • Investors who prefer qualifying without personal income documentation


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Toni was awesome in helping me through the mortgage process, her patience and knowledge of the lending aspects were a tremendous help to me!!

- Kelly, Wilmington