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.

(843) 638-2100

Coastal Equity Group, commercial real estate
BOOK AN INTRO CALL

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

Loan Application

Take the first step towards your real estate investment goals and apply for a loan with Coastal Equity Group. View the loan application now.

Get Started