Business-Purpose Real Estate FinancingRun the Property. Structure the Financing.
DSCR and business-purpose financing built around the property, the cash flow, and your investment strategy.
Run My Deal
Start with the property. We'll take it from there.
DSCR Programs
Business Purpose
LLC / Entity Vesting
Available on Eligible Programs
Short-Term Rentals
Program Options Available
Investor-Focused
Financing Structures
Fast Review
Scenario-First Process
A Different Way to Start
We Start With the Deal — Not Your Tax Returns.
Property Cash Flow
The property's rental income and housing expense.
Deal Structure
Purchase, refinance, cash-out, bridge, or renovation.
Financing Options
Programs that may fit the property and strategy.
Run the Numbers
Does the Property Cash Flow?
Enter the property's rent and monthly housing expense to see an estimated DSCR.
DSCR Calculator
For scenario planning only — not a rate quote. DSCR pricing varies based on the loan, property, borrower, leverage, program, market conditions, and other factors.
Estimated DSCR
1.28x
This scenario may fit available DSCR programs. Final eligibility depends on full loan, property, borrower, and investor guidelines.
Price This DealInvestor Financing
One Property. Multiple Ways to Finance It.
DSCR Rental Loans
Buy or refinance rental property using qualifying property income.
- Qualify with property rental income on eligible programs
- LLC / entity vesting available
- Purchase, refinance, and cash-out scenarios
Short-Term Rental
Financing options for eligible Airbnb, VRBO, and vacation-rental properties.
Bridge Loans
Flexible financing when timing or property condition creates a gap.
Ground-Up Construction
Financing options for qualified investor construction projects.
The Simple DSCR Approach
Financing Built Around the Deal
- Start with the property
- Review the real scenario
- Explain available structures
- Keep documentation focused
- Communicate clearly
- Move efficiently when the deal fits
Less mortgage jargon.
More deal clarity.
Financing Should Fit the Investment
Real estate investors think in terms of acquisition cost, rent, cash flow, leverage, rehab, exit strategy, and return on capital.
Your financing experience should speak the same language.
What Are You Trying To Do?
Start With Your Investment Strategy
Pick the scenario that fits your deal. We'll point you toward the financing paths worth reviewing.
Select a strategy above to start a scenario.
Run This DealSimple Process
From Property to Closing
Run the Deal
Tell us about the property and financing request.
Review the Structure
We review potential business-purpose loan options.
Review Your Options
Understand the structure, requirements, and next steps.
Move Toward Closing
Complete documentation, property review, underwriting, and closing.
Where We Lend
Business-Purpose Lending Coverage
Highlighted states show where business-purpose (DSCR) investment-property loans may be available. Availability is subject to licensing, program, and investor guidelines.
Hover a state for details
Eligible States & Districts
37 locations currently highlighted.
- ALAlabama
- ARArkansas
- COColorado
- CTConnecticut
- DCDistrict of Columbia
- DEDelaware
- FLFloridaBusiness Entity Title Vesting Only
- GAGeorgia
- HIHawaii
- IDIdaho
- ILIllinois
- INIndiana
- KSKansas
- KYKentucky
- LALouisiana
- MEMaine
- MDMaryland
- MAMassachusetts
- MSMississippi
- MOMissouri
- MTMontanaBusiness Entity Title Vesting Only
- NHNew Hampshire
- NJNew JerseyBusiness Entity Title Vesting Only
- NMNew Mexico
- NYNew York
- OHOhio
- OKOklahoma
- PAPennsylvania
- RIRhode Island
- SCSouth Carolina
- TNTennessee
- TXTexas
- VAVirginiaBusiness Entity Title Vesting Only
- WAWashington
- WVWest Virginia
- WIWisconsin
- WYWyoming
Map is for general informational purposes only and does not represent an offer to lend or a commitment in any jurisdiction. We do not represent authorization in states where we are not licensed or approved. Contact us to confirm availability for your scenario.
Popular Investor Questions
DSCR Financing, Answered
Straight answers to the questions investors ask most. Availability, terms, and requirements vary by lender, property, and state.
- What is a DSCR loan?
- A DSCR (Debt-Service Coverage Ratio) loan is a business-purpose loan for investment property that is evaluated largely on the property’s income relative to its debt obligation, rather than primarily on the borrower’s personal income. Read the full answer
- How is DSCR calculated?
- DSCR is commonly calculated as the property’s qualifying rental income divided by its monthly principal, interest, taxes, insurance, and any association dues (PITIA). A ratio of 1.0 means income equals the debt obligation. Read the full answer
- Can I close a DSCR loan in an LLC?
- Many business-purpose DSCR programs allow title to be held in an LLC or other entity. Availability and requirements vary by lender, program, property, and jurisdiction. Read the full answer
- Do DSCR loans require tax returns or income verification?
- Because qualification centers on property income, many DSCR programs do not require personal tax returns or employment verification. Documentation requirements still vary by lender and scenario. Read the full answer
- What property types are eligible for DSCR financing?
- Eligible property types often include long-term rentals, short-term rentals, and small multifamily, with other types considered case by case. Eligibility depends on the specific program and property. Read the full answer
Investor Education
Investor Financing, Explained
A DSCR (Debt Service Coverage Ratio) loan is a business-purpose loan for real estate investors. Certain DSCR programs may use a property’s qualifying rental income rather than traditional W-2 income for qualification. Program calculation methods and requirements vary by lender and loan program.
DSCR generally compares a property’s qualifying monthly rental income to its monthly housing expense (often principal, interest, taxes, insurance, and any HOA dues — PITIA). For example, $3,200 in rent against a $2,420 monthly expense is roughly a 1.32x DSCR. Exact calculation methods vary by program and investor.
On many DSCR programs, personal W-2 income is not used to calculate qualifying income. This does not mean no documentation is required — borrower documentation, credit review, and property review are still typically part of the process. Requirements vary by program and investor.
LLC or entity vesting is available on many eligible programs. Specific requirements, documentation, and any personal guaranty terms vary by loan program and investor guidelines.
Program options may be available for eligible short-term rental properties such as Airbnb and VRBO. How income is evaluated can differ from long-term rentals and varies by program.
Required or preferred DSCR ratios vary by loan program, property type, leverage, and borrower profile. A scenario review helps identify which programs a property may fit.
Have a Property? Let's Structure the Deal.
Send us the scenario. We'll review the property, your investment strategy, and potential financing options.
No obligation to proceed.