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DSCR Rental Loans for Real Estate Investors
Flexible, investor-friendly financing designed around your property's cash flow — not your personal income. Concierge Capital Partners makes long-term rental investing simple, fast, and scalable.
Why DSCR?
What Is a DSCR Rental Loan?
A Debt Service Coverage Ratio (DSCR) loan is a mortgage product specifically designed for real estate investors. Unlike conventional loans, DSCR loans qualify borrowers based on the income generated by the property — not W-2s, tax returns, or personal income documentation.
The DSCR is calculated by dividing the property's gross rental income by its total monthly debt obligations. A ratio of 1.0 means the property breaks even; a ratio above 1.0 means it generates positive cash flow. Most lenders, including Concierge Capital Partners, require a minimum DSCR of 0.75 to 1.25 depending on the loan program.
This makes DSCR loans the go-to financing solution for self-employed investors, seasoned portfolio holders, and anyone whose personal income doesn't reflect their true investment capacity.
DSCR Formula
Gross Monthly Rental Income ÷ Total Monthly Debt Service
Example
Rent: $3,200/month
PITIA: $2,800/month
DSCR: 1.14 ✓
Who This Loan Is For
Real Estate Investors
Build and scale your rental portfolio without the constraints of traditional income verification. Perfect for investors with multiple properties or complex financials.
Self-Employed Borrowers
If your tax returns don't reflect your true earnings, DSCR loans let the property speak for itself. No pay stubs or employment history required.
Portfolio Builders
Already own multiple rentals? DSCR loans have no limit on the number of financed properties, making them ideal for aggressive portfolio expansion strategies.
Mortgage Brokers
Bring your investor clients to a lender that delivers. Concierge Capital Partners offers competitive commissions, fast closings, and dedicated broker support.
Loan Programs
DSCR Rental Loan Features & Terms
Our long-term rental loan program is built for flexibility. Whether you're acquiring your first investment property or refinancing a seasoned asset, Concierge Capital Partners has a structure that fits.
Loan Amounts
$100K – $5M+
Jumbo options available
Loan-to-Value
Up to 80% LTV on purchases
Up to 75% LTV on cash-out refis
Minimum DSCR
As low as 0.75
No income ratio for some programs
Credit Score
Minimum 620 FICO
Best rates at 700+
Loan Terms
30-year fixed, 5/1, 7/1 ARM
Interest-only options available
Property Types
SFR, 2–4 units, condos, townhomes, 5–10 unit multifamily
Key Program Highlights at a Glance
80%
Max LTV
On purchase transactions with strong DSCR
$5M+
Max Loan Size
Jumbo and portfolio options available
21
Day Close
Average closing timeline for qualified files
50
States Licensed
Nationwide lending footprint across the U.S.
Eligible Properties
What Properties Qualify?
Residential Rental Properties
  • Single-Family Residences (SFR)
  • 2-, 3-, and 4-unit multifamily properties
  • Warrantable and non-warrantable condos
  • Townhomes and planned unit developments (PUDs)
  • 5–10 unit small multifamily
Property Conditions & Requirements
  • Must be leased or market-rent appraised
  • Non-owner occupied investment properties only
  • Vesting in individual name or LLC/entity
  • Short-term rentals (Airbnb/VRBO) eligible on select programs
  • Rural properties considered case by case
Process
How It Works: From Application to Close
Concierge Capital Partners has streamlined the DSCR lending process so you can move quickly on deals. Here's what to expect from start to funded.
Most borrowers receive a term sheet within 24–48 hours of submitting their application. Our dedicated loan officers guide you through every step so nothing falls through the cracks.
Purchase vs. Refinance: Find Your Fit
Whether you're acquiring a new rental or unlocking equity from an existing one, our loan programs are structured to maximize your investment leverage while keeping your personal finances separate from your portfolio.
Why Concierge Capital Partners
The Concierge Advantage
Investor-First Mindset
We built our DSCR program from the ground up with real estate investors in mind — not as an afterthought. Our underwriters understand rental income, market rents, and investment structures.
No Personal Income Required
Qualify entirely on the property's rental income. No tax returns, no pay stubs, no employment verification. Your portfolio does the talking.
Entity & LLC Vesting
Borrow in the name of your LLC, corporation, or trust. Protect your personal assets while keeping your investment operations clean and professional.
Scalable Financing
No cap on the number of financed properties. Whether you own 2 or 20 rentals, we can finance your next acquisition or help you refinance your existing portfolio.
Fast, Transparent Closings
Our streamlined process means fewer surprises and faster closings. We provide clear timelines, proactive communication, and a dedicated point of contact from application to funding.
Get Started
Ready to Finance Your Next Rental Property?
Concierge Capital Partners is ready to help you close your next deal — fast, simply, and on your terms. Speak with one of our DSCR lending specialists today and get a personalized quote in minutes.
📞 Call Us
Speak directly with a DSCR loan specialist. No call centers, no runaround — just expert guidance from an experienced lending team.
📋 Apply Online
Submit your loan scenario in minutes through our streamlined application portal. Upload property details and receive a term sheet within 24–48 hours.
🤝 Broker Partnership
Mortgage brokers receive competitive compensation, fast scenario reviews, and a dedicated account executive to support every file from submission to close.