Position One Funding

1.877.386.3371

(c) 2004-2026 Position One Funding. All Rights Reserved.

1.877-FUNDER-1 or 1.877.386.3371

Mon-Fri 8:30 a.m.-5 p.m. EST,
email: info@position1biz.com

Debt-Service Coverage Ratio Loan.

What is it?

A Debt-Service Coverage Ratio (DSCR) loan is an innovative financing solution designed for buy-and-hold investors (buy the property and hold it while it generates revenue). Unlike traditional rental property loans, which rely heavily on personal W-2 income, DSCR loans evaluate the income generated by the rental property. This approach allows you to qualify for a loan based on the property’s cash flow (not your personal income), making it easier to secure financing for rental properties and scale your portfolio with confidence.

DSCR loans can be used for single-family homes, duplexes, triplexes, fourplexes, and even larger multifamily properties.

Any investor who owns or is purchasing a rental property that generates sufficient income may qualify, regardless of personal employment status.

In addition to buying an income producing rental property possible strategic uses of a DSCR Loan may also include:

If you need capital for your next investment, you can use a DSCR loan to pull equity from an existing rental property. This method lets you fund the down payment for additional properties, accelerating your growth.

If you're holding a property with a short-term (like a fix-and-flip loan) or high-interest loan, you can use a DSCR loan to help you transition into stable, long-term financing with better terms.

Traditional lenders often require extensive personal documentation. DSCR loans for rental property bypass this, making them an ideal choice for self-employed investors or those with complex personal tax returns and income documentation.

OTHER CONSIDERATIONS
REQUIRES MINIMUM 660 CREDIT SCORE

NO OWNER OCCUPIED PROPERTIES OR SECOND HOMES. MUST BE INVESTMENT PROPERTY ONLY.

NO MIXED USE PROPERTIES.

NO MANUFACTURED HOUSING.

Available in all states except California, Nevada, Utah, North  Dakota, South Dakota

Will Lend Up  to 80% Loan to Cost

Call us at 877.386.3371 or submit the form  below.