Flexible DSCR financing with lower rates, fast closings, and investor-focused lending solutions
Flexible Terms LLC Eligible Fast Closings
Flexible Terms • LLC Eligible • Fast Closings
⭐ Trusted DSCR Lending for Investment Properties
Flexible financing solutions for rental property investors
As a mortgage broker, we help real estate investors compare DSCR loan options from multiple lenders, structure stronger financing terms, and move through the approval process with confidence.
We work with 20+ DSCR lenders to deliver competitive rates, flexible guidelines, and financing solutions for rental property purchases, refinances, cash-out scenarios, and portfolio growth. That means more financing options, stronger leverage, and faster closings for real estate investors.
View DSCR Loan Guidelines →Whether you’re building your first rental or expanding a large portfolio, we provide fast, investor-friendly DSCR financing with minimal documentation.
Ideal for long-term rental properties, including 1–4 unit homes and small multi-family buildings.
Refinance your rental property to lower payments or access equity with flexible terms
Flexible financing for multi-family rental properties with low rates, high LTVs, and investor-friendly terms
DSCR financing for rental property purchases, refinancng and cash-out.
A DSCR loan is an investor-focused mortgage where approval is based on the property’s rental income, not your personal income or tax returns. Lenders compare the rental income to the monthly payment (PITIA) to calculate the Debt Service Coverage Ratio. If the income covers the payment, the property qualifies.
Most DSCR lenders require a minimum credit score of 660 and a DSCR ratio of 1.00 or higher, meaning the rental income covers the payment. Some lenders allow lower DSCR ratios (even below 1.0) with stronger credit, higher reserves, or additional pricing adjustments.
Down payment requirements for DSCR loans typically range from 20% to 25%, depending on credit, property type, and the loan program. Some lenders may offer higher leverage options with stronger borrower profiles. Working with a mortgage broker gives you access to multiple DSCR lenders to help secure the most competitive terms for your investment.
Yes. DSCR loans are specifically designed for real estate investors and can be closed in an LLC, corporation, or other entity structure. This allows investors to separate liability, keep clean bookkeeping, and manage multiple rental properties under one entity.
Built exclusively for real estate investors, Crestmark Lending is a DSCR-focused mortgage broker delivering faster approvals, simplified underwriting, and access to dozens of national DSCR lenders.
We understand investment property financing and provide the pricing, flexibility, and speed investors need to scale their portfolios with confidence.
Crestmark Lending is home to experienced DSCR loan specialists delivering fast approvals, flexible structures, and investor-focused financing built specifically for rental property performance.
Work with a team focused on investor financing, responsive communication, and a smoother DSCR loan experience from application to closing.
Branch Manager
NMLS #2014728
Loan Officer
NMLS #313548
Loan Officer
NMLS #2692859
Sr. Loan Officer
NMLS #860825
Loan Officer
NMLS #1929617
Crestmark Lending partners with 20+ institutional lenders to deliver competitive pricing, flexible credit structures, and loan solutions tailored to real estate investors. Rather than relying on a single lender’s guidelines, we leverage multiple capital sources to secure the right structure for your property and investment strategy.
From first-time investors to experienced portfolio operators, we provide the speed, certainty, and market access needed to close confidently and scale efficiently nationwide.
Fast DSCR approvals with streamlined, investor-focused underwriting.
Access sharp DSCR pricing from 20+ lenders.
Flexible DSCR approvals for STRs, LLCs, and portfolio investors.
Real feedback from real estate investors who trust Crestmark Lending
4.6 out of 5
★★★★★
Based on 54 Google reviews
Highly recommend Crestmark Lending. They were professional, helpful, and made the entire loan process simple and stress-free. Brett and team stayed responsive and provided clear guidance every step of the way.
As a firs time investor this was a great experience from start to finish. Brett Dempsey is extremely knowledgable about DSCR loan products and was great to work with. The process was smooth, communication was clear, and the team made everything easy to understand. I would absolutely recommend Crestmark to anyone buying an investment property.
Great experience working with Crestmark Lending. The team was knowledgeable, responsive, and made the entire process smooth from start to finish. Highly recommend for anyone looking for a reliable mortgage broker for DSCR investor loans.
Florida continues to attract real estate investors as strong rental demand, population growth, increasing inventory, and foreclosure opportunities create favorable
Learn how DSCR loans work and why they’re becoming a go-to financing strategy for real estate investors in 2026. Discover
Learn what credit score you need for a DSCR loan, from minimum requirements to ideal ranges, and how your score
Crestmark Lending offers DSCR loan programs for real estate investors across Texas, Oklahoma, Colorado, and 35+ other states nationwide.
DSCR Refinance
FAST PRE-QUALIFICATIONS • NO TAX RETURNS • LLC FRIENDLY
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DSCR Purchase
FAST PRE-QUALIFICATIONS • NO TAX RETURNS • LLC FRIENDLY
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