Long-Term Rental Financing
DSCR loans for rental property investors.
Qualify on the property's rental income — not your tax returns or W-2. The core product for buy-and-hold investors building a portfolio.
What a DSCR loan actually is
DSCR stands for Debt Service Coverage Ratio — the property's rental income divided by its total debt payment. A DSCR of 1.0 means rent exactly covers the payment. Above 1.0 means the property carries itself with room to spare. Because the loan is underwritten against the property rather than your personal income, DSCR financing does not require W-2s or tax returns.
Program Ranges
What we see across our lender network
Up to 80% LTV
Maximize leverage on your rental investment with up to 80% loan-to-value.
$50K – $4M
From single-family rentals to large multi-family — we cover the full range.
5–40 Year Terms
Flexible term lengths so you can match your hold strategy and cash flow goals.
640+ Credit Score
No W-2, no tax returns required. We qualify on the property's rental income.
DSCR as Low as 0.75
We work with properties that don't fully cover debt service — many lenders won't go below 1.0.
Common questions
Do I need to show income to qualify?
No. DSCR financing is underwritten against the property's rental income. W-2s and tax returns are not required for this product. Bridge and fix-and-flip underwriting may still ask for income or liquidity documentation.
What happens if my DSCR is below 1.0?
It may still be workable. We place scenarios with DSCR ratios as low as 0.75, where the rent does not fully cover debt service. Expect the trade to show up in rate, leverage, or reserve requirements.
Can I close in an LLC?
Yes. Most DSCR lenders in our network lend to entities, which is typically how investors hold rental property.
How long does it take?
Timelines depend on the lender, the property type, and how quickly appraisal and title clear. We give you a realistic timeline once we see the scenario rather than quoting a number up front.
Is a DSCR loan the same as a hard money loan?
No. DSCR loans are long-term financing, commonly 5 to 40 years. Hard money is short-term. If you need short-term capital, look at bridge or fix and flip instead.
Related Tools
Run the numbers first
DSCR Calculator
Check whether a property's rent covers its debt service before you submit.
Rental Property Calculator
Project cash flow, cap rate, and cash-on-cash return.
BRRRR Calculator
Model buy, rehab, rent, refinance, and how much cash stays in the deal.
Ranges shown are based on a network of lenders and are not guaranteed. Final terms are subject to qualification, property type, credit profile, and lender approval. Kinship Commercial Lending is a brokerage and is not a direct lender. This page is not a commitment to lend.
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Have a rental scenario?
Send us the property and the rent. We'll come back with the options our lender network will actually do.
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