DSCR 30-YEAR RENTAL LOANS

DSCR loans — long-term rental financing based on cash flow.

DSCR (Debt Service Coverage Ratio) loans are designed for real estate investors who want to purchase or refinance rental properties using the property’s income—not personal income—to qualify.

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Call: 317-689-1113 • Email: info@iinvestrealty.com
Rental property
$75K – $5M
Up to 80% purchase/refi • 75% cash-out
6.25%–8.75%
30 years • DSCR ≥ 1.0–1.25x
I Invest Realty Group, LLC is a commercial loan brokerage providing funding solutions for real estate investors nationwide. Commercial and business-purpose loans only. Not a consumer or owner-occupied residential lender.

DSCR 30-YEAR RENTAL LOANS — LONG-TERM HOLD

Long-term financing for rental investors and BRRRR strategies.

Product Overview

Ideal for investors building rental portfolios or refinancing completed projects. Qualification is based on property cash flow, not personal income.

Example Scenario

ARV: $300,000 | Rent: $2,400/mo | DSCR: 1.25x

Loan covers up to 80% LTV. Investor refinances into a fixed-rate 30-year loan with minimal documentation.

  • No tax returns, paystubs, or employment verification Qualification driven by property cash flow.
  • Fixed 30-year or ARM options 5/1, 7/1, 10/1, IO available.
  • Refinance or cash-out after renovation Built for portfolio growth and recapitalization.
  • Perfect for BRRRR investors and long-term wealth builders Stabilize, refinance, repeat.
Best For

Investors holding rentals long-term and qualifying based on cash flow rather than personal income.

Common DSCR Range

DSCR requirement is typically ≥ 1.0–1.25x (scenario-dependent).

Terms & Availability

DSCR programs qualify primarily off property cash flow. Clean rent support and accurate operating assumptions help your file move faster.

  • Loan Amount$75K – $5M
  • LTV Up to 80% purchase/refi, 75% cash-out
  • Rate Starting at 6.25%–8.75%
  • Term 30 years (fixed or interest-only hybrid)
  • DSCR Requirement ≥ 1.0–1.25x
  • Experience New and seasoned investors welcome
  • Foreign Investors Accepted with U.S. entity
  • Prepayment Penalty Typically 3-year step-down (varies)

Deal Flow

1
Submit scenario Address, purchase/refi/cash-out goal, rent, and DSCR target.
2
Cash-flow review We validate rent and the DSCR requirement for the scenario.
3
Conditions checklist Clear docs and third-party items as required by guidelines.
4
Close Lock in long-term financing for your rental hold.

DSCR FAQs

What does DSCR mean in simple terms?
DSCR (Debt Service Coverage Ratio) measures whether the property’s cash flow can cover the mortgage payment.
Ready to submit your deal?

Start with the Pre-Qualification form to route your scenario correctly.

Office: 317-689-1113 • Email: info@iinvestrealty.com

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Commercial and business-purpose loans only. Not a consumer or owner-occupied residential lender.