DSCR / Rental Loans
Build Your Rental Portfolio With Financing Built for Investors.
Long-term rental financing designed around the property’s cash flow, value and investment strategy. Acquire, refinance and grow your portfolio with a loan built for real estate investors.
DSCR / Rental Loan Terms
Long-Term Financing Built Around the Property.
DSCR financing focuses on the property’s ability to support its debt service, helping investors acquire and refinance rental properties without relying solely on traditional employment income qualification.
Rate As Low As
6.85%
Leverage Up To
80% LTV
Unit Count
1-20 Units
Loan Size
$75K - $10M
How Investors Use DSCR Loans
Four Ways to Put Rental Financing to Work.
Whether you’re buying your first rental or expanding an existing portfolio, DSCR financing can support a range of investment strategies.
01 - Purchase
Acquire a Rental Property
Finance an eligible investment property and build long-term rental income and equity.
02 - Refinance
Optimize Existing Debt
Refinance an existing rental property to pursue a more suitable long-term financing structure.
03 - Cash-Out
Access Property Equity
For eligible properties, use a cash-out strategy to access equity for future investments or other approved purposes.
Ready to Grow Your Rental Portfolio?
Let's Build the Financing Around It.
Tell us about the rental property you’re buying or refinancing and we’ll help you determine whether DSCR financing is the right fit.
FAQ
DSCR Rental Loan Questions
Everything starts with the deal. Here are some of the questions investors ask most.
A DSCR loan is an investment property loan that evaluates the property's ability to cover its debt obligations using rental income and other property-level factors.
DSCR stands for Debt Service Coverage Ratio. It compares the income available from a property with the debt service required by the loan.
Yes, eligible residential investment properties can be considered for purchase financing, subject to program guidelines and underwriting.
Yes. Eligible rental properties may be considered for rate and term or cash-out refinance strategies, subject to program requirements.
DSCR programs are designed to emphasize property-level economics rather than relying solely on traditional employment income. Borrower eligibility and documentation requirements still apply.
This program is intended for eligible residential rental properties. Larger multifamily properties are handled through Build Lending's separate Multifamily program.
Yes. DSCR financing can be part of a broader strategy for acquiring and holding multiple eligible rental properties, subject to program guidelines.
Loan amount and leverage depend on the property, value, rental economics, borrower profile, market and program guidelines.
Submit the property and deal details. A Build Lending specialist can review the opportunity and discuss the financing structure, pricing, leverage and terms available for your property.