DSCR Loans
Our DSCR (Debt Service Coverage Ratio) Rental Loans are tailored for real estate investors seeking to acquire, refinance, or cash out on rental properties. These loans are underwritten based on the property’s ability to generate income, rather than the borrower’s personal income. By focusing on the property’s cash flow in relation to its debt obligations, we provide a streamlined solution that supports long-term investment strategies and portfolio growth.
Interested in a DSCR Loan? Call to speak with a team member. Or fill out the form below.
Smart, Stable Financing for Rental Investors
Our DSCR loans are designed for long-term rental investors who want fixed-rate stability without the paperwork of traditional financing. We look at the property’s income, not your job history or tax returns. With 30-year terms, up to 80% LTV, and simple qualification based on rental income, we help you scale your portfolio – with speed, clarity, and confidence.
Loan Programs
Acquisition / Purchase
Ideal for a long-term rental property where the underlying property is being purchased.
Maximum Leverage Ratios – Loan to Value (LTV): 80%
Property debt-to-income (DSCR): 1.000
Loan Size $150,000.00 – $2,000,000.00
Cash Out Refinance
Ideal for an someone who would like to pull cash / equity out of their property. Property must be leased.
Maximum Leverage Ratios – Loan to Value (LTV): 75%
Property debt-to-income (DSCR): 1.000
Loan Size $150,000.00 – $2,000,000.00
Rate & Term Refinance
Ideal for someone who is currently using a hard money loan to renovate a property and would like to turn it into a long-term rental hold. The hard money loan is refinanced with our long-term rental loan program.
Maximum Leverage Ratios – Loan to Value (LTV): 80%
Property debt-to-income (DSCR): 1.000
Loan Size $150,000.00 – $2,000,000.00
The Process
Coastal Equity Group offers asset-based DSCR loans for real estate investors acquiring, refinancing, or cashing out rental properties. We lend up to 80% of the property’s as-is appraised value and up to 100% of the DSCR, focusing on property cash flow—not personal income.
Key Highlights:
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Fast pre-approval in as little as 24 hours
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Funding in as fast as 72 hours after appraisal and documentation
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30-year fixed rate, non-owner-occupied 1–4 unit residential properties
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5-year declining prepayment penalty (buy-down option available)
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Loans require a personal guaranty and are recourse
Eligibility:
Borrower must be a U.S. Citizen or permanent resident. Entities must be U.S.-domiciled with a valid Certificate of 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.