DSCR (Rental) Loans

Long-term rental financing based on property cash flow.

DSCR (Debt Service Coverage Ratio) measures whether a property's rental income can cover its loan payments. That means no tax returns, no income verification, and no traditional underwriting hurdles. Available for purchase, cash-out refinance, and rate-and-term refinance on non-owner-occupied investment properties.

Interested in a DSCR (Rental) Loan? Call to speak with a team member. Or fill out the form below.

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(843) 638-2100

Coastal Equity Group, commercial real estate

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Smart, Stable Financing for Rental Investors

Our DSCR loans are 30-year, fixed-rate loans built for investors who want long-term stability without the friction of traditional financing. We lend up to 80% of the property's appraised value across single-family homes, 2–4 unit properties, townhomes, condos, and multifamily properties up to 10 units.

With a minimum DSCR of 1.000, if the property cash flows, you qualify — it's that simple.

Why DSCR?

No personal income verification
No tax returns required
Qualify based on rental income — not your W-2
30-year fixed rate for long-term stability
Scale your portfolio without hitting traditional lending limits

Loan Types

Acquisition / Purchase

For investors purchasing long-term rental properties.

Loan to Value (LTV): up to 80%

Minimum DSCR: 1.000

Loan size: $150,000–$2,000,000

Cash Out Refinance

For investors looking to pull equity from a stabilized, income-producing property.

Loan to Value (LTV): up to 75%

Minimum DSCR: 1.000

Loan size: $150,000–$2,000,000

Rate & Term Refinance

For investors refinancing out of a bridge or hard money loan into a long-term rental hold.

Loan to Value (LTV): up to 80%

Minimum DSCR: 1.000

Loan size: $150,000–$2,000,000

The Process

We’ve streamlined the DSCR loan process so you can move quickly from application to closing without the delays of traditional financing. Here’s how it works:

1. Get Pre-Approved

Submit a quick application and receive a term sheet within 24 hours.

2. Underwriting & Appraisal

We evaluate the property’s cash flow and order an appraisal. No personal income verification or tax returns required.

3. Final Approval

Once the appraisal and documentation are complete, we issue final approval and prepare closing documents.

4. Close & Fund

Close in as little as 72 hours after appraisal and documentation — so you can secure your deal or access your equity without delays.

Key Highlights

Get pre-approved in as little as 24 hours
Close in as little as 72 hours after appraisal and documentation
30-year fixed rates available for non-owner-occupied 1-4 unit properties
5-year declining prepayment penalty (buy-down option available)
All loans require a personal guaranty and are recourse

Eligability: Borrowers must be U.S. citizens or permanent residents. Entities must be U.S.-domiciled and in good standing.

Testimonials

    
 
 
       Posted on Google  
   
   Seth Balogh 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with CEG. It was my first time using CEG & I plan on instantly coming back with the next opportunity. The communication was great from start to finish and no questions were left unanswered. A team of true professionals!
  
 
      Posted on Google  
   
   Yan RIGOULOT 
 
 
 
 Trustindex verifies that the original source of the review is Google. Kent, Ashley and the entire team make the process seamless and easy. Great communication and support. Highly recommend working with them for your project.
  
 
      Posted on Google  
   
   Andrew McClam 
 
 
 
 Trustindex verifies that the original source of the review is Google. The Coastal team goes above and beyond for their clients. I've used them for many loans over the last year in my flipping business and there is no one better in the Southeast. They even closed a deal for me in under 24 hours and saved a seller from foreclosure. Incredible service, staff, and rates, best in the lending game... hands down. Shout out to Kent, Gracee, Ashley and of course Alex! Y'all are the best!
  
 
      Posted on Google  
   
   Adam Gregory 
 
 
 
 Trustindex verifies that the original source of the review is Google. Truly amazing to work with. The made the whole process smooth, straight-forward and quick closing. I will definetly with them again on my future investments and opportunities.
  
 
      Posted on Google  
   
   Luke Bauer 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have now done 6 or 7 loans with Coastal Equity Group and they have been great to work with. They bring a personalized approach to lending and always look to provide the best options for their clients.
  
 
      Posted on Google  
   
   Zemi Locs LLC 
 
 
 
 Trustindex verifies that the original source of the review is Google. Impeccable service. Gracee is remarkable in handling business in real-time. They are an amazing lender to work with.
Thank you CEG!!!!
  
 
      Posted on Google  
   
   basil gaspar 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great group here!!  Gracee was very knowledgeable and great communicator when it came to getting funding for my first fix and flip ever! I felt comfortable through the whole process, and now use Coastal Equity for ALL my funding needs! THANK YOU CEG!!
  
 
      Posted on Google  
   
   Ford Smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Best lender to work with hands down !!
  
 
      Posted on Google  
   
   B B 
 
 
 
 Trustindex verifies that the original source of the review is Google. Cristina, Kent and the team are very professional and great to work with …They provided a ground up construction loan for me where other lenders failed .., I even obtained some cash out on equity which is rare in this latest market climate and they closed in days not weeks . Hope to secure many more loans here … Highly recommend.
  
 
      Posted on Google  
   
   Brett Cary 
 
 
 
 Trustindex verifies that the original source of the review is Google. Professional, easy to deal with.  They made the process super easy.  I will continue to use them :)