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DSCR rental loans

Your Next Rental
Financed Around Its Income

Build your portfolio with financing that considers the rent a property earns. Explore purchase, refinance, and cash-out options for your investment property.

Get My No-Obligation Quote

Still considering the deal? Estimates are welcome. Send what you know.

Broker Fees as Low as ½ Point*

On Qualifying DSCR Loans

*Terms vary. Confirmed in writing before you proceed.

Rental Properties

A Starting Point for Your Deal

DSCR Options at a Glance.

Example Loan Range
$100K–$3.5M
Purchase / Rate-and-Term LTV
Up to 80%
Cash-Out LTV
Up to 75%
Credit Considered on Select Programs
640+

Examples from available lender programs, not one combined offer. Credit, coverage, property, location, and loan size affect eligibility and leverage. Lower scores can still be submitted for review.

Built around your plans

What Do You Want
the Funding to Do?

A DSCR loan looks at the relationship between rental income and the property’s debt payment. Your credit, equity, reserves, and the property still matter.

Buy Your Next Rental

Explore financing for an investment property, whether you’re buying your first rental or adding to your portfolio.

Refinance a Property

Compare new financing against your current loan, including costs and the time you plan to hold the property.

Put Equity to Work

Explore cash-out options for another investment or a business purpose, subject to lender limits and eligibility.

Before You Apply

What Helps Your Deal Move Forward?

Rental Income

Current or projected rent, taxes, insurance, and HOA. A 1.00 DSCR means rent equals the modeled housing payment, not automatic approval.

Equity & Cash

Your down payment or existing equity, closing costs, and reserves. Use the calculator to model the full cash requirement.

Credit & Property

Your estimated credit score, property type, rental strategy, and ownership structure. Requirements vary by program.

Your Next Step

Send the property and numbers for review. We’ll confirm available terms, documentation, and our role before you proceed.

A quick planning guide, not a universal qualification checklist. Your specific program and terms are confirmed after review.

Get My No-Obligation Quote

Start with what you know

A Few Details Help Us
Point You Forward.

Still evaluating a potential deal? Send your estimates for a no-obligation quote. No financial documents needed to start.

Tell Us What You’re Working On
  • Property address and purchase price or estimated value
  • Current or expected rent, taxes, insurance, and HOA costs
  • Desired loan amount and any existing loan balance
  • Estimated credit range, available funds, and ownership structure

Your questions, answered

Know What to Expect.

Estimate your DSCR and cash needs ↗How rent and PITIA affect your ratio ↗Already have your numbers? Send a detailed DSCR scenario ↗
Do I Need Personal Tax Returns?

DSCR programs generally assess the rental property’s income rather than qualifying you through personal income. Documentation requirements vary by lender and situation.

What DSCR Do I Need?

There is no single requirement across every program. The ratio, loan amount, equity, credit, property, and other factors affect availability and pricing. The calculator helps you estimate coverage; it does not determine approval.

Can I Use a DSCR Loan for a Short-Term Rental?

Some programs consider short-term rentals. The lender’s rent calculation, property restrictions, and documentation requirements can differ from those for a long-term lease.

What Fees Should I Compare?

Consider the interest rate, broker fee, lender points, third-party costs, prepayment terms, and cash required at closing. We’ll explain the proposed broker fee before you proceed.

Have an opportunity in mind?

Price Out Your Next Rental

Buying a rental, refinancing, or taking cash out? Submit your numbers for a no-obligation quote. Still considering the property? Estimates are welcome.

Get My No-Obligation Quote

We’re investors and brokers. Depending on the deal, Propello may fund directly or arrange financing through another provider. Terms are subject to review.

Before You Apply

Your Funding Questions, Answered.

Explore More Funding Answers ↗