Préstamos para alquiler con cobertura del servicio de la deuda
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.
- Tipos de préstamosCompra, refinanciación, retiro de efectivo
- DSCR mínimo1.0x–1.25x (varies by lender)
- Montos de los préstamos$100K–$3.5M+
- Plazo del préstamo30-Year Fixed; 5/1 and 7/1 ARM
- Documentos de ingresosNone Required — Property Cash Flow Only
- Puntuación mínima de crédito620–680+ (varies by program)
- Depósito20–25% typical
- Tipos de propiedadesSFR, 2–4 Unit, Condos, STR-eligible
¿A quién va dirigido este programa?
DSCR financing is designed for real estate investors and landlords who qualify on property cash flow rather than personal income documentation.
Tipos de propiedades
SFR (Single-Family)
Owner of record not required — DSCR qualified
Viviendas de 2 a 4 unidades
Duplex, triplex, fourplex — cash flow underwritten
Condominios
Warrantable and select non-warrantable
Short-Term Rentals
STR-eligible programs available through select lenders
Casas adosadas
Eligible in most DSCR programs
Planned Unit Developments
PUD-eligible with standard DSCR guidelines
Requisitos típicos
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 ReviewDescargo de responsabilidad: Los programas, tasas, plazos, requisitos de elegibilidad y documentación varían según el prestamista y están sujetos a cambios sin previo aviso. El financiamiento no está garantizado y está sujeto a la aprobación del prestamista. Esta página tiene fines informativos únicamente y no constituye un compromiso de préstamo, asesoramiento financiero ni legal. Todos los programas de préstamos están sujetos a la aprobación crediticia del prestamista, la verificación de ingresos, la tasación de la propiedad y las regulaciones de préstamos federales y estatales aplicables. No todos los prestatarios calificarán.