DSCR Loans
Fast, investor-focused financing for rental property purchases, short-term rentals, and portfolio growth
No SSN Required
DSCR Purchase Financing for Real Estate Investors
Crestmark Lending is a DSCR-only lender built specifically for real estate investors purchasing rental properties. Our purchase programs are designed to remove traditional income hurdles, shorten approval timelines, and deliver competitive pricing—so you can write stronger offers, close with confidence, and move quickly when opportunities arise.
We specialize in helping investors close on purchases using property cash flow, not personal income—providing clear guidance and predictable approvals with flexible guidelines and streamlined documentation that traditional lenders simply can’t match.
Ideal for:
Self-employed and LLC real estate investors
Investors scaling single-family or small-portfolio purchases
Buyers with complex income or tax structures
Short-term rental and Airbnb property acquisitions
- ✔ Fast purchase approvals
- ✔ Cash-flow-based qualification
- ✔ LLC & entity ownership allowed
- ✔ Competitive pricing for investors
Our DSCR Loan Programs
DSCR Purchase
Ideal for long-term rental properties. 1–4 units and small multifamily buildings
- Up to 80% LTV
- DSCR typically ≥ 1.00
- Fast approvals and underwriting
Multifamily
Flexible programs for multifamily properties – low rates, LTVs, and terms
- 2-Unit, 3-Unit and 4-Unit
- No tax return review
- Portfolio investor friendly
DSCR for LLCs
LLC-owned investment properties, qualified by rental cash flow
- Title held in LLC or corporation
- Cross-collateral options
- Portfolio loans available
Renovations
DSCR financing for upgrading, improving, or rehabbing properties
- Great for value add investors
- Light to full rehab
- Costs rolled into the loan
New Construction
Build-to-rent financing with long-term DSCR takeout solutions.
- Ground up projects
- Flexible draw schedule
- Easy transition to DSCR financing
Jumbo Loans
High-balance financing for larger rental properties and seasoned investors
- $1.5M+ loan amounts
- Competitive investor terms
- DSCR Loans Up to $5M
Why Investors Choose DSCR Loans
From your first rental to a growing investment portfolio, we deliver fast,
investor-focused DSCR financing with simplified documentation.
DSCR Loan Advantages
- Qualify Using Property Cash Flow
- Close in an LLC or Business Entity
- Loan-to-Value Ratios Up to 80%
- 30-Year Fixed and Interest-Only Options
- Short-Term and Long-Term Rentals Eligible
- Fast Closings with Minimal Documentation
- No Seasoning Period Required
Who Qualifies for DSCR Loans
- Real estate investors
- Investors Expanding a Rental Portfolio
- Short-Term & Airbnb Rentals
- Self-Employed Investors
- BRRRR investors
- Buy-and-hold investors
DSCR Financing Made Simple
Purchase your rental property based on cash flow—not personal income. No tax returns, no W-2s, and no traditional DTI requirements.
Qualify & Get Pre-Approved
Start pre-approval online and review your scenario with a DSC specialist
Lock in Your Program
We align your deal with the right DSCR lender and loan structure.
Appraisal & Underwriting
Comprehensive property analysis with streamlined underwriting.
Close & Grow Portfolio
Close in your LLC, then roll into your next property with the same process.
DSCR Home Loans: Key Things Investors Should Know
How do lenders determine qualifying income for a DSCR loan?
DSCR loans are qualified using the property’s cash flow—not your personal income. Lenders typically compare the property’s gross rental income (from a lease, appraisal rent schedule, or market rent) against the full monthly housing expense (principal, interest, taxes, insurance, and HOA). If the property meets the required DSCR ratio, personal DTI is often not considered.
Can I close a DSCR loan in an LLC or business entity?
Yes. Most DSCR loan programs allow properties to be titled in an LLC or other business entity, which is ideal for investors focused on asset protection and portfolio growth. While you’ll usually sign personally as a guarantor, income documentation remains minimal compared to conventional loans.
What credit, down payment, and reserve requirements should investors expect?
DSCR loans typically require higher credit scores and down payments than owner-occupied loans. Most programs expect a minimum credit score around the mid-600s, 20–25% down for purchases, and several months of reserves. Exact terms vary by DSCR ratio, property type, and market strength.
Crestmark Lending is built for real estate investors who want flexibility, speed, and better pricing. As a DSCR-focused mortgage broker, we provide direct access to wholesale lenders, investor-friendly guidelines, and faster closings—without the restrictions of traditional banks.
Why Crestmark Lending Is a Top Choice for Investors
Wholesale DSCR pricing with multiple lender options
Flexible underwriting for long-term and short-term rentals
Fast, predictable closings with streamlined documentation
DSCR-specialist loan officers focused on investor strategy
Financing built around property cash flow—not W-2 income
Chris Lederer
Production Manager
NMLS #2004549
Ryan Collins
Operations Manager
Jen Papaelias
Sr. Loan Officer
NMLS# 2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Ryan Wood
Sr. Loan Officer
NMLS #1757471