Debt Service Coverage Ratio (DSCR) Rental Loans
Get a $2,000 lender credit on your next qualifying DSCR loan.
Hard Money Loans for Your Real Estate Projects
A debt service coverage ratio loan allows a borrower to qualify for financing based primarily on the cash flow of the property (rent payments from tenants). These loans can be for a new property purchase or as a refinance.
At Casa Lending, we partner with real estate developers to ensure they have the financing and local support to take their businesses to the next level. Our DSCR Rental loans offer industry-leading LTV.
Minimum $250k for multifamily, $400k for portfolio loans.
As-is Value Eligible with 90-Day Seasoning
First-time Investors are Eligible
DSCR Rental Loans
Discover the Power of DSCR Rental Loans for Your Real Estate Investments
Unlock the value and cashflow of your rental properties.
Flexible Solutions
Finance 1-4 family rental properties or multifamily properties (5-8 units) with a minimum loan of $75,000. Our DSCR loans are sized to match your deal, not your personal income.
No Project Limit
Most private lenders cap how many deals you can do at once. We do not. Casa Lending grows with your portfolio whether you are managing two rentals or twenty.
Short-Term Rental Ready
Running an Airbnb or VRBO? We qualify short-term rentals using your existing rental history or an appraiser's market analysis of rents in your area. Either path works.
Portfolio Power
Bundle up to 10 rental properties into a single portfolio loan or pull equity out of your existing holdings to fund your next acquisition. One loan, more leverage.
.jpg)
.jpg)
Is DSCR the Right Loan for You?
This loan is a strong fit if you:
Are a self-employed investor with complex income
Are purchasing or refinancing a long-term or short-term rental property
Own or are acquiring multifamily property (5-8 units)
Want to consolidate multiple rentals into one portfolio loan (up to 10 assets)
Want to scale your portfolio without income verification bottlenecks
Are a first-time investor ready to let the property speak for itself
Are looking to pull equity out of your existing rental portfolio to fund your next acquisition or project
DSCR Rental Loans
How Qualification Works
DSCR loans qualify based on the property, not your tax returns. Lenders calculate the Debt Service Coverage Ratio by dividing the property's gross rental income by the monthly debt obligation. A ratio of 1.0 or higher typically means the property covers its own debt.
No W-2s
No business income review
No personal income documentation
.jpg)
DSCR Loan FAQs
Get answers to common questions about the DSCR loan.
DSCR stands for Debt Service Coverage Ratio. It is calculated by dividing the property's gross rental income by the monthly debt obligation. A ratio of 1.0 or higher means the property generates enough income to cover its own debt payments.
No. DSCR loans qualify based on the property's income, not your personal income. There is no W-2, tax return, or business income verification required.
We lend on single-family rentals (1-4 units), multifamily properties (5-8 units), and short-term rentals. Portfolio loans bundling up to 10 assets into one loan are also available.
Yes. For short-term rentals or vacant properties, we can use an appraiser's market analysis of rental income in your area to support qualification.
Contact our team directly for current timelines. We are designed to move fast so your deal does not stall.
Still Have Questions?
Contact us for more information.
Loans for All of Your Real Estate Projects
At Casa Lending, we offer a variety of hard money and long-term loans to meet your real estate financing needs. Whether you're a fix and flip investor, a new construction professional, looking for portfolio loans, or holding long-term rentals, we have the flexible capital you need to grow and scale your business.
Quickly finance your fix and flip or rehab projects with our fast and reliable loans.
Consolidate your real estate investments with our portfolio loans for increased efficiency.
Get the funding you need to start and complete your new construction projects on time.
Use your property's cash flow to qualify for your long-term investment properties.