DSCR Loans

DSCR Rental Loans:

Build Wealth with Long-Term Leverage

What Is a DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a long-term rental loan built for real estate investors who want to hold income-producing properties. Instead of qualifying based on personal income, DSCR loans qualify based on the cash flow of the property itself. If the property cash flows, you can get funded.

At 1st Private Capital, our DSCR loans are designed to help investors scale their rental portfolios with stable, long-term financing. Whether you're acquiring, refinancing, or pulling cash out, our terms are competitive and our process is streamlined.

Why Use a DSCR Loan?

DSCR loans give you permanent financing for rental properties without the strict income verification requirements of traditional banks. Perfect for self-employed investors, full-time landlords, and operators scaling their portfolios.

Key Benefits:

• 30-Year Financing: Fixed and ARM options available.

• No Tax Returns Needed: We underwrite the asset, not the borrower.

• Cash-Out Options: Access trapped equity.

• Streamlined Process: Close in weeks, not months.

• Flexible Structures: Interest-only and hybrid ARM terms offered.

Our DSCR Loan Program

We offer long-term financing for non-owner occupied 1-4 unit properties, condos, townhomes, and PUDs. Whether you're buying or refinancing, we provide terms that support scale.

Loan Criteria:

• Collateral: Non-owner occupied 1-4 family, condos, townhomes, PUDs

• Loan Amount: $55K – $2M

• Property Value: Must be $100K or higher (as-is appraised)

• Minimum DSCR: 1.05

• Minimum FICO: 660

• Rates: Starting at 5.24%

• Amortization Options:

  • 30-Year Fixed

  • Hybrid ARMs: 5/1, 7/1, 10/1

  • Interest-Only Options Available

Purchase Leverage by FICO:

• 720+: Up to 80% As-Is Value & 80% Loan-to-Cost

• 700–719: Up to 80% As-Is Value & 80% Loan-to-Cost

• 680–699: Up to 75% As-Is Value & 75% Loan-to-Cost

• 660–679: Up to 70% As-Is Value & 70% Loan-to-Cost

Refinance Leverage by FICO:

• 720+: Up to 80% As-Is Value

• 700–719: Up to 80% As-Is Value

• 680–699: Up to 75% As-Is Value

• 660–679: Up to 65% As-Is Value

Cash-Out Refi Leverage by FICO:

• 720+: Up to 75% As-Is Value

• 700–719: Up to 75% As-Is Value

• 680–699: Up to 70% As-Is Value

• 660–679: Up to 60% As-Is Value

(Geographic restrictions may apply.)