Loan Overview
DSCR Rental
Rental Property Loans Based on Cash Flow, Not Income
DSCR (Debt Service Coverage Ratio) loans offer a simplified path to financing. Whether you’re acquiring, refinancing, or pulling equity from rental properties, our DSCR programs focus on property performance—making it easier to qualify and expand your portfolio.
Term
3 – 30 Years Term
Loan Amount
$75k to $5M
LTV
Up to 85% on Purchase and Refinance
Cost Breakdown
Up to 75% on Cashouts
Property Types
- Non-Owner Occupied
- Single Family Residential
- Condo 1–4 Units
- Townhome 1–4 Units
- ADU Conversions Okay
Our Lending Process
Streamlined Steps to Secure Fast Funding
At Equity Backers, we’ve designed our lending process to be efficient and straightforward. From your initial inquiry to securing funding, we focus on providing a seamless experience that minimizes delays and maximizes convenience. Our team works quickly to evaluate your needs, customize a loan solution, and get the capital you need as fast as possible. Whether you’re acquiring a property, refinancing, or funding a project, our process ensures you can move forward with confidence and speed.
Step One
Submit Your Loan Request
Begin by sharing key details about your real estate investment project. Our streamlined inquiry process gives you a fast, preliminary quote. You’ll then be connected with an experienced Account Executive to explore the best financing options tailored to your goals.
Step Two
Compile The Complete Loan File
Processing is the collection of all documents relevant to the deal. Ensuring your file is complete and properly qualified for underwriting—maximizing your leverage potential and keeping your loan on track.
Step Three
Analyze Deal Specifications
Our underwriting team reviews the complete loan file prepared during processing in order to qualify the deal for the investor. We carefully assess documentation and risks to structure terms that maximize leverage and accessibility.
Step Four
Close The Deal & Move Forward
Once the loan is mutually approved, we coordinate with all parties involved to ensure a smooth closing process. Funds are disbursed promptly, empowering you to start or continue your project on schedule with confidence and peace of mind.
Smart Financing with DSCR Loans for Real Estate Investors
Our DSCR (Debt Service Coverage Ratio) loans are built for real estate investors seeking long-term, cash-flow-driven financing. Whether you’re growing your rental portfolio, refinancing, or acquiring income-producing properties, we offer competitive rates, streamlined approvals, and flexible terms tailored to your investment goals. With DSCR loans, your property’s income—not your personal income—secures the funding, giving you the freedom to scale your real estate business with ease and confidence.
Fast Real Estate Loan Pre-Approval
Equity Backers provides a detailed loan term sheet within 24 hours, giving you early insight into loan terms. This fast turnaround lets you move quickly and confidently, whether you're purchasing, rehabbing, or refinancing. We ensure you never wait on paperwork, helping you stay competitive in a fast-moving market.
Get Funded in 1 Week
Our streamlined process helps you close in as little as 1 week after all documentation is submitted. Whether acquiring, refinancing, or repositioning assets, we ensure you get the capital you need quickly. With efficient underwriting and clear documentation, we eliminate delays so you can seize opportunities and outpace competitors.
Pay Over Time With 30 Year Terms
Our 30-year DSCR loans provide long-term stability and predictable payments, allowing you to hold investment properties without short-term refinance pressure. Enjoy consistent cash flow, flexible prepayment options, and competitive rates—ideal for maximizing rental income and building lasting wealth while keeping your portfolio agile.
No Ratio & No Credit Options Available
We offer flexible loan programs that don’t require DSCR calculations or traditional credit checks. Instead, approvals focus on property value and your investment strategy, making it easier for investors with unique income situations or credit challenges to secure funding.
Have Questions About DSCR Loans? We Have Answers
How does a DSCR loan work?
A DSCR loan evaluates whether a property’s rental income is sufficient to cover its debt payments. Lenders calculate the Debt Service Coverage Ratio (DSCR) by dividing the property’s annual rental income by its annual debt obligations. A DSCR of 1.0 or higher typically qualifies for financing, meaning the property can cover at least 100% of its loan payments.
What are the benefits of DSCR loans for real estate investors?
DSCR loans offer several benefits, including:
No personal income verification
Fast approvals and flexible terms
Higher leverage for rental property purchases
Ideal for expanding rental portfolios
Can be used by self-employed or foreign investors
What is the minimum DSCR required to qualify?
Most lenders require a minimum DSCR of 1.0 to 1.25, depending on the loan program. A DSCR of 1.0 means the property’s rental income covers the debt exactly, while a DSCR above 1.25 provides a cushion, which some lenders prefer for lower risk.
Can I use DSCR loans for short-term rentals or Airbnb properties?
Yes, many DSCR loan programs allow short-term rentals and Airbnb properties as long as the rental income can be verified through a lease, rental history, or projected income analysis. Each lender may have specific guidelines, so it’s best to confirm eligibility.
Do I need prior experience to qualify?
While prior experience helps, it’s not required. We evaluate each borrower holistically—considering credit, liquidity, and the project’s strength. First-time flippers with solid plans are welcome.
Who is eligible for a DSCR loan?
Real estate investors
LLCs and corporations
Self-employed individuals
Foreign nationals
Investors with multiple properties
These loans focus on the property’s income, so personal employment history and tax returns are usually not required.