DSCR Rental Loans
Debt Service Coverage Ratio financing for residential rental properties — qualified on property cash flow, not personal income. No W-2s, no tax returns, no personal income verification required.
DSCR Rental Loan Program
Asset and cash-flow driven financing for residential rental properties — underwritten on the property’s income potential, not the borrower’s personal tax returns or W-2 employment.
- Loan TypesPurchase, Refinance, Cash-Out
- DSCR Minimum1.0x–1.25x (varies by lender)
- Loan Amounts$100K–$3.5M+
- Loan Term30-Year Fixed; 5/1 and 7/1 ARM
- Income DocsNone Required — Property Cash Flow Only
- Min Credit Score620–680+ (varies by program)
- Down Payment20–25% typical
- Property TypesSFR, 2–4 Unit, Condos, STR-eligible
Who This Program Is For
DSCR financing is designed for real estate investors and landlords who qualify on property cash flow rather than personal income documentation.
Property Types
SFR (Single-Family)
Owner of record not required — DSCR qualified
2–4 Unit Residential
Duplex, triplex, fourplex — cash flow underwritten
Condominiums
Warrantable and select non-warrantable
Short-Term Rentals
STR-eligible programs available through select lenders
Townhomes
Eligible in most DSCR programs
Planned Unit Developments
PUD-eligible with standard DSCR guidelines
Typical Requirements
Why Gloven Capital for DSCR Rental Loans
Strategic financing review for rental property investors — access to multiple DSCR lender relationships with investor-friendly structures and fast execution.
- No personal income verification — qualified on property rent income only
- Investor-friendly loan structures — 30-year fixed, ARM, and interest-only options available
- Access to multiple DSCR lender relationships for competitive rate and term options
- LLC and entity vesting accepted — borrow in your entity, not your personal name
- Short-term rental (STR/Airbnb) eligible programs available through select lenders
- Foreign national and ITIN DSCR programs available through non-QM lender network
- Fast execution — streamlined underwriting focused on asset and cash flow, not borrower income
Ready to Review Your DSCR Rental Loan Scenario?
Submit a financing request and a Gloven Capital advisor will review your property profile and identify the right DSCR program for your investment.
Request DSCR Financing ReviewDisclaimer: Programs, rates, terms, eligibility requirements, and documentation requirements vary by lender and are subject to change without notice. Financing is not guaranteed and remains subject to lender underwriting approval. This page is for informational purposes only and does not constitute a commitment to lend, financial advice, or legal advice. All loan programs are subject to lender credit approval, income verification, property appraisal, and applicable federal and state lending regulations. Not all borrowers will qualify.