Residential Investment Mortgages
Long-Term Financing for Investment Properties — Qualify on Rental Income, Not Personal Income
From $100K to $10M with 15–30 year terms. DSCR loans let you scale your portfolio without income verification or tax return limitations.
Ready to Get Started?
Apply now to get pre-qualified. Soft credit check only — no impact to your score. Instant pre-approval to share.
Rates, terms, fees, and funding timelines vary by lender, applicant eligibility, and program requirements.
DSCR (Debt Service Coverage Ratio) loans are specifically designed for real estate investors who want to qualify for financing based on the rental income generated by the property — not their personal income or tax returns. This is a game-changer for investors who take maximum tax deductions (reducing taxable income), are self-employed with variable income, or own multiple properties with complex finances.
The loan qualifies on the property's income divided by its debt service. A DSCR above 1.0 means the property generates more income than the debt payment — exactly what lenders want to see. For example, if a property generates $2,500/month in rent and the mortgage payment (principal, interest, taxes, insurance) is $2,000/month, the DSCR is 1.25 — a strong ratio that most lenders accept.
This structure allows investors to scale their portfolios without the income limitations that constrain conventional financing. With a traditional mortgage, your debt-to-income ratio caps how many properties you can finance. With DSCR loans, each property qualifies on its own merits — if the rent covers the debt, you can keep acquiring. Many investors use DSCR loans to build portfolios of 10, 20, or more properties.
DSCR loans offer 30-year fixed rates, interest-only options, and cash-out refinancing. They're available for single-family rentals, multifamily properties (2–4 units), and in some cases larger multifamily and commercial properties. Closing times are typically 15–30 days — faster than conventional investment property mortgages, which can take 45–60 days.
A Simple, Fast Process
Identify Your Property
Provide the property details, purchase price, and expected rental income. We match you with DSCR lenders who finance your property type.
Calculate the DSCR
The lender calculates the DSCR — rental income divided by the debt payment. A DSCR of 1.0+ is typically required; 1.25+ is preferred.
Compare Lender Offers
Review offers from multiple DSCR lenders — rates, terms, LTV limits, and cash-out options.
Close & Scale
Close in 15–30 days. As you acquire more properties, each one qualifies on its own DSCR — no personal income caps to limit your portfolio growth.
How Businesses Use This Financing
Portfolio Scaling
Acquire multiple rental properties without hitting personal debt-to-income caps that limit conventional financing.
Self-Employed Investors
Qualify for investment property financing without W-2 income or tax return limitations.
Cash-Out Refinancing
Pull equity from appreciated rental properties to fund additional acquisitions.
Post-Flip Rental
Refinance a fix & flip property into long-term DSCR financing after renovation — the BRRRR strategy.
Multifamily Investment
Finance 2–4 unit multifamily properties based on the rental income they generate.
- No personal income verification — qualify on property cash flow
- Scale your portfolio without income limitations
- 30-year fixed rate options available
- Cash-out refinancing available to fund additional acquisitions
- Single-family and multifamily (2–4 units) eligible
- Interest-only options available for improved cash flow
- Faster closing than conventional investment mortgages (15–30 days)
- Available to investors with complex or variable income
- ◆DSCR of 1.0+ preferred (1.25+ for best rates)
- ◆Property appraisal required
- ◆12+ months of reserves recommended (PITI)
- ◆Personal credit score 600+
- ◆Property insurance required
- ◆Property must be (or will be) income-producing
- ◆Minimum loan amount $100K (varies by lender)
The Investor Who Hit the Conventional Financing Wall
How DSCR loans helped a self-employed investor scale from 4 to 18 properties
A self-employed real estate investor in Texas owned four rental properties, all financed with conventional mortgages. When he tried to buy a fifth, his bank declined him — not because of credit or property quality, but because his debt-to-income ratio had hit the bank's internal cap. As a self-employed business owner who took maximum tax deductions, his reported income wasn't high enough to support another mortgage under conventional underwriting.
He came to Let's Syndicate and was introduced to DSCR loans. His fifth property — a $220,000 single-family rental with $2,100/month in projected rent — had a DSCR of 1.35 based on the proposed mortgage payment of $1,560/month. A DSCR lender approved the loan at 7.5% with a 30-year term, closing in 18 days. No personal income verification, no tax returns, no DTI cap.
Over the next 24 months, the investor acquired 14 more properties using DSCR financing — each one qualifying on its own rental income. He also did three cash-out refinances on appreciated properties to fund additional down payments. His portfolio grew from 4 properties to 18, with a total value of $3.8M. None of this growth would have been possible under conventional financing, where his personal income would have capped him at 4–5 properties.
Result: Portfolio scaled from 4 to 18 properties in 24 months. $3.8M total portfolio value. Zero personal income verification on any acquisition.
Your Rental Income Should Qualify You — Not Your Tax Returns
Conventional investment property mortgages require personal income verification, tax returns, and debt-to-income calculations. For self-employed investors, investors who take maximum deductions, or investors with multiple properties, these requirements create an artificial ceiling on portfolio growth — regardless of how profitable each individual property is.
Let's Syndicate connects you with DSCR lenders who qualify your financing based on the property's rental income, not your personal income. Your single application reaches multiple DSCR lenders — you compare rates, terms, LTV limits, and cash-out options, and choose the lender that lets you scale fastest. Each property stands on its own merits, so your portfolio growth is never capped by your personal debt-to-income ratio.
- DSCR lenders who qualify on property income, not personal income
- No tax returns, no W-2s, no DTI caps to limit portfolio growth
- Compare rates, terms, and cash-out options from multiple DSCR lenders
- 30-year fixed and interest-only options available
- Scale from a few properties to a full portfolio without income limitations
Common Questions About Residential Investment Mortgages
DSCR (Debt Service Coverage Ratio) is the property's rental income divided by its debt payment (principal, interest, taxes, insurance). A DSCR of 1.0 means the property breaks even. Most lenders require 1.0+; 1.25+ qualifies for the best rates. Some lenders accept DSCRs below 1.0 with higher rates or larger down payments.
No. DSCR loans are qualified based on the property's rental income, not your personal income. This is the primary advantage for self-employed investors and those with complex tax situations. You typically need a property appraisal and rent schedule, but not personal tax returns.
Most DSCR lenders offer up to 75–80% LTV for purchases and 70–75% LTV for cash-out refinances. Higher LTVs may be available with higher rates or for investors with strong credit and experience. Let's Syndicate helps you compare LTV limits across lenders.
Yes. DSCR lenders offer cash-out refinancing, allowing you to pull equity from appreciated rental properties to fund additional acquisitions. Cash-out LTVs are typically 70–75%. This is a powerful tool for scaling your portfolio without bringing new cash to each deal.
DSCR loans typically close in 15–30 days — faster than conventional investment property mortgages, which can take 45–60 days. The faster closing is possible because there's no personal income verification or tax return review. Let's Syndicate matches you with lenders whose closing timeline fits your needs.
Move forward and Let's Syndicate.
Carry Let's Syndicate in Your Pocket
Install our mobile app on iOS or Android — track your application, chat with your concierge, and get funded on the go.
Let's Syndicate is a business funding marketplace. All credit decisions, rates, terms and outcomes are determined by participating lenders, investors or third-party providers.