Call-first DSCR loan desk: purchase, refinance, cash-out and rental property scenarios. Powered by NonQM123 • NMLS #3252

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Investment property financing

DSCR Loan Programs for Rental Property Investors

Compare business-purpose DSCR loan paths for rental property purchases, refinances, cash-out transactions, and eligible short-term rental scenarios.

Choose the DSCR loan path that matches your goal

A Debt Service Coverage Ratio loan is built for non-owner-occupied investment property. Instead of centering the review on conventional personal-income documentation, the lender evaluates the eligible rental income, proposed housing expense, property, credit profile, leverage, reserves, and the complete business-purpose scenario.

PurchaseFinance an eligible rental property acquisition.

RefinanceReview current rental-property debt and a new DSCR structure.

Cash-outAccess eligible investment-property equity for a business purpose.

Available DSCR scenario paths

DSCR purchase loans

Purchase an eligible single-family rental, condominium, townhome, 2–4 unit property, or another program-eligible investment property.

Purchase loan details →

DSCR refinance

Review a rate-and-term refinance for an existing non-owner-occupied rental property.

Refinance details →

DSCR cash-out refinance

Explore eligible rental-property equity for another acquisition, reserves, improvements, or another approved business purpose.

Cash-out details →

Short-term rental DSCR

Discuss eligible Airbnb, VRBO, or other short-term rental income approaches.

STR loan details →

DSCR loan rates

Understand the property, leverage, credit, coverage, prepayment, and structure factors that can affect a DSCR quote.

Rate factors →

DSCR loan FAQ

Review common questions about DSCR calculations, property types, documentation, occupancy, and quote preparation.

Read the FAQ →

What to have ready for a live DSCR quote

  • Loan goal: purchase, rate-and-term refinance, or cash-out refinance.
  • Property: address, property type, purchase price or estimated value, and current status.
  • Financing: requested loan amount and current mortgage balance when applicable.
  • Cash flow: current or expected monthly rent and known property expenses.
  • Borrower profile: estimated credit range, entity vesting plan, and available reserves.

The first review is not an approval or commitment to lend. A complete application, documentation, property review, appraisal, title work, and underwriting may be required before final terms are available.

Frequently asked questions

Are DSCR loans only for investment properties?

This website is dedicated to business-purpose financing for non-owner-occupied investment properties. Occupancy and use-of-proceeds requirements are subject to the selected program and underwriting review.

Do all DSCR programs use the same guidelines?

No. Minimum coverage, credit, leverage, reserves, property, prepayment, and documentation requirements vary by lender, program, state, and transaction.

Can I start with a phone call?

Yes. Call 833-DSCR-LOAN with the property value or purchase price, requested loan amount, rent, credit range, and loan goal.

DSCR loan planning resources

DSCR loan requirements

Review property, rent, credit, leverage, reserve, and documentation factors.

Investment property loans

Compare purchase, refinance, cash-out, and short-term rental paths.

No-tax-return DSCR loans

Understand what property-focused qualification means and what documentation is still required.

Research the details before choosing a structure

Visit the DSCR Loan Guides for focused information about ratio, down payment, credit, rent, documents, closing, cash-out, and prepayment terms.

Talk through the rental property numbers.

Call the NonQM123 DSCR Desk or send the scenario online for a business-purpose investment-property review. Program availability and terms depend on the complete scenario and underwriting approval.