Rental/DSCR Loans
DSCR Financing
DSCR (Debt Service Coverage Ratio) financing is designed specifically for real estate investors seeking business-purpose loan funding based primarily on the cash flow of the property, rather than personal income verification.
These loans are commonly used for rental properties where the property’s income is sufficient to cover the mortgage payment, making them ideal for investors building or refinancing rental portfolios.
Through PrivateLenderCenter.com, we connect borrowers with our preferred lender offering competitive DSCR loan programs for purchase, refinance, and cash-out strategies, with flexible underwriting tailored to business-purpose real estate investments.
These loans are commonly used for rental properties where the property’s income is sufficient to cover the mortgage payment, making them ideal for investors building or refinancing rental portfolios.
Through PrivateLenderCenter.com, we connect borrowers with our preferred lender offering competitive DSCR loan programs for purchase, refinance, and cash-out strategies, with flexible underwriting tailored to business-purpose real estate investments.
Typical DSCR Loan Parameters
(Programs terms vary by lender and market conditions)
- Maximum LTV: typically 75% – 80% (purchase or rate/term refinance)
- Cash-Out LTV: typically 70% – 75%
- Minimum DSCR: commonly 1.00 – 1.25 (some programs allow lower with pricing adjustments)
- Interest Rates: generally ~5.25% – 9.50%+, depending on leverage, DSCR strength, property type, and borrower profile
- Amortization: usually 30-year amortization, with fixed or adjustable options
- Loan Terms: typically 5, 7, 10-year or hybrid ARM structures
- Prepayment Structures: may include step-down or yield maintenance options
Eligible Property Types
Single-family rentals (SFR – business purpose only)
2–4 unit residential properties
Condominiums and townhomes
Portfolio rental properties
Short-term rentals (Airbnb / VRBO – subject to lender guidelines)
Get DSCR Financing
If you are seeking DSCR financing for a purchase, refinance, or cash-out, PrivateLenderCenter.com can match your deal with a preferred lender actively funding business-purpose real estate loan.
Your Key to Fast and Reliable Funding.
We provide fast and reliable financing solutions for real estate investors and developers. As a leading hard money lender, we understand the unique needs and challenges faced by real estate professionals, and we’re here to help you achieve your investment goals
Clark Capital Group, LLC and PrivateLenderCenter.com
DO NOT FUND OWNER OCCUPIED RESIDENTAIL HOMES.
WE FUND BUSINESS PURPOSE LOAN ONLY FOR RESDIENTIAL TRANSITION AND COMMERICAL LOANS.
*We do not fund in AK, AZ, CA, HI, MN, ND, NV, OR, SD, UT, & VT
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