Rental acquisition
Finance the purchase of a qualifying single-family or 2–4 unit residential rental.
DSCR Loan
DSCR Rental financing
Long-term rental financing evaluated primarily through property cash flow rather than personal income documentation. Available for qualified non-owner-occupied residential investment property.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.
Published Program Parameters
DSCR Rental terms at a glance
These figures are program parameters, not a quote. The complete transaction determines available leverage, structure, pricing, and approval.
- Loan Amount
- Up to $5M
- Term
- 30-year fixed / ARM
- LTV
- Up to 80%
- DSCR
- No-ratio options from 0.75x
- Property Types
- SFR, 2–4 unit
Use Cases
When DSCR Rental may fit
The loan category is the starting point. Property, sponsor, leverage, timing, and exit still have to work together.
Rate-and-term refinance
Replace existing debt when value, rent, expenses, seasoning, and property condition support the request.
Cash-out refinance
Evaluate equity access within program leverage and qualification requirements.
Underwriting Lens
What the first review tests
A useful submission explains the transaction in numbers and shows how the intended outcome will be reached.
- Property value and requested leverage
- Actual or market rent
- Taxes, insurance, HOA, and other property expenses
- Debt-service coverage and applicable no-ratio options
- Property condition, occupancy, and use
- Borrower credit, reserves, and ownership structure
Submission Checklist
What to assemble
- Purchase agreement or current mortgage statement
- Lease and rent documentation when occupied
- Property tax, insurance, and HOA figures
- Property photos or appraisal if available
- Entity and vesting documents
- Evidence of reserves and closing funds
Illustrative Review
How the pieces are read together
An investor is purchasing a leased duplex and provides the contract, leases, taxes, insurance, requested loan amount, and reserve information. RAMM would test the property cash flow, value, leverage, condition, credit, and reserves before identifying an available DSCR structure.
Illustrative only. This example is not an offer, approval, representation of available terms, or promise that a similar request will qualify.
Common Friction
What can slow the file down
- Rent that cannot be supported by a lease or market evidence
- Missing tax, insurance, or HOA expenses
- Owner occupancy or another non-business-purpose use
- Property condition that requires a different bridge structure first
- A refinance request that does not account for value or seasoning requirements
Frequently Asked Questions
DSCR Rental questions
What does DSCR measure?
Debt-service coverage ratio compares qualifying property income with the proposed debt obligation under the applicable program method.
Are personal tax returns always required?
DSCR qualification centers primarily on the property’s cash flow, but the applicable capital source determines final documentation and credit requirements.
Can a vacant property qualify?
A vacant, rent-ready property may be reviewable using supported market rent. A property needing material work may require bridge or renovation financing first.
Bring Us the Scenario
Submit a DSCR Rental scenario
Send the property, request, sponsor, timing, and exit. A complete file produces a faster and more useful preliminary review.
Submitting a request does not create a loan commitment. Terms are indicative until underwriting, diligence, documentation, and credit approval are complete.