Loan program
DSCR rental loans
Long-term financing for rental property that qualifies on the property's own cash flow — its debt service coverage ratio — instead of your personal tax returns.
How DSCR loans work
DSCR stands for debt service coverage ratio: the property's monthly rent divided by its monthly payment (principal, interest, taxes, insurance). If the rent covers the payment, the deal can qualify — no W-2s, no pay stubs, no personal DTI calculation.
That makes DSCR the standard tool for self-employed investors and anyone scaling past the conventional-loan limit. It's also the natural exit from a fix & flip loan when you decide a finished property is worth keeping.
Why place it through a broker
DSCR pricing varies widely between lenders — the same deal can price a full point apart depending on prepayment terms, property type, and how each lender counts short-term-rental income. One submission through Axiom gets compared across multiple DSCR sources, including lenders that credit Airbnb/VRBO income in vacation markets like Las Vegas.
Typical parameters
- Loan amount
- $75K – $3M+
- Term
- 30-year options
- Purchase LTV
- Up to 80%
- Cash-out refi
- Available
- Qualification
- Property cash flow
- Income docs
- Not required
- Property types
- SFR, 2-4 unit, condo, multi
- Short-term rentals
- Case-by-case
Ranges vary by lender, deal, and borrower experience — every quote is personalized.
Common questions
What DSCR ratio do I need?+
Most lenders want the rent to at least cover the payment (a ratio of 1.0+), with the best pricing at 1.2 and above. Sub-1.0 programs exist at lower leverage.
Do short-term rentals qualify?+
Some lenders will use documented short-term-rental income or a market-rent analysis — important in the Las Vegas market. This is exactly the kind of placement a broker helps with.
Can I do a cash-out refinance with DSCR?+
Yes — cash-out DSCR refinances are common for pulling equity out of stabilized rentals to fund the next acquisition.
Is there a minimum credit score?+
DSCR programs do generally price by credit tier, but requirements are far more flexible than conventional lending. Ask — the answer depends on the lender mix.
Ready to fund your next deal?
Whether it's your first flip or your fiftieth — send the deal over for a free, no-obligation review.
Submit your deal