DSCR Renovation & Rehab Loans
Flexible financing for renovating or improving rental properties—without tax returns, DTI checks, or income documentation
No SSN Required
DSCR Financing for Renovation & Rehab Projects
DSCR renovation loans allow investors to qualify using the property’s rental income (actual or projected), making them ideal for value-add projects, cosmetic upgrades, and improving rental performance. Whether you’re updating a single-family home or repositioning a multifamily asset, the DSCR structure provides fast approvals and streamlined underwriting.
- Qualify based on rental income only
- Perfect for value-add investors & BRRRR strategies
- No personal tax returns or employment verification required
DSCR Loans for Renovations
Rehab-friendly DSCR programs allow investors to buy and improve rental properties with flexible terms, fast closings, and minimal documentation. These loans help investors complete upgrades, raise rents, increase property value, and refinance into long-term DSCR financing when stabilized.
Eligible Property Types for DSCR Renovation Loans
- Single-family investment properties
- Duplexes, triplexes, and fourplexes
- 5–8 unit multifamily buildings
- Small apartments & mixed-use buildings
- STR, mid-term, and long-term rentals
- Turnkey rentals needing upgrades
- BRRRR properties (Buy, Rehab, Rent, Refi, Repeat)
DSCR Renovation Loan Benefits
- Qualify using property income only
- Option to close in an LLC or business entity
- Finance purchase + renovation costs (depending on lender)
- Cash-out options for renovation budgets
- Flexible terms: 30-year fixed, ARM, or interest-only
- Fast approvals with minimal documentation
- No DSCR seasoning requirements for many programs
How DSCR Renovation & Rehab Loans Work
These programs combine investment property underwriting with value-add flexibility. Lenders evaluate current or projected rental income to determine loan eligibility—not personal income or DTI.
Get Prequalified
Soft credit pull and review renovation scope
Lock Your Program
We match your renovation project with the best DSCR lender
Appraisal, Budget & DSCR Underwriting
Appraisal includes market rent and DSCR analysis.
Renovate, Refinance into DSCR
Renovate, boost rental income, and refinance
Why Investors Choose Crestmark Lending
- Access to 20+ DSCR lenders with value-add & renovation programs
- Fast approvals designed for time-sensitive rehab projects
- Specialists in BRRRR, STR, and multifamily value-add strategies
- Competitive pricing tailored to renovation DSCR loans
- Concierge-style communication & investor-focused support
- Loan officers who understand renovation underwriting and income projections
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