DSCR Financing for Rental Property
Flexibile loans for investment property purchases- low rates and fast closings
Start Your DSCR Pre-Approval
⭐ Trusted DSCR Financing for Real Estate Investors
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
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
- 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 personal 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.
Flexible Financing for Your Next Investment Property
Purchase your next rental property, Airbnb, or income-producing investment with a DSCR loan. Qualify using rental income instead of traditional employment documentation while accessing flexible loan option. Whether you are buying your first investment property or growing your portfolio, DSCR loans can help simplify financing and speed up closings.
DSCR Loan Requirements for Investment Properties
DSCR loans are designed for real estate investors seeking flexible financing for rental and income-producing properties. Qualification is primarily based on property cash flow rather than traditional personal income documentation.
Ideal for:
Real estate investors and rental property buyers
Airbnb and short-term rental investments
LLC and entity ownership structures
Portfolio expansion and multifamily investments
- Self-employed borrowers with complex tax returns
DSCR Loan Guidelines
- Loan amounts up to $2,000,000
- Flexible DSCR Guidelines
- No tax returns, W-2s, or pay stubs
- Qualification based on rental income
- LLC and entity ownership eligible
- Short-term rentals allowed
Crestmark Lending is built for real estate investors who want flexibility, speed, and lower rates. 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
Common Questions, Answered
How do lenders determine qualifying income for a DSCR loan?
DSCR loans are qualified based on a 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.
Trusted by Real Estate Investors
Real feedback from real estate investors who trust Crestmark Lending
4.6 out of 5
★★★★★
Based on 54 Google reviews
Adriana Castro
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.
Julianne Fogle
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.
Joshua Hayden
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.
DSCR Loan Options by State
Crestmark Lending offers DSCR loan programs for real estate investors across Texas, Oklahoma, Colorado, and 35+ other states nationwide.
