18 Specialized Loan Programs
Every DSCR Loan Service for Real Estate Investors
From single-family rentals to blanket portfolio loans — we cover every DSCR product available in 2026 across 650+ cities.
How to Choose the Right DSCR Loan Product
Not all DSCR loans are the same. The right product depends on your property type, investment strategy, and financial situation. A short-term rental investor in Orlando needs a different program than a BRRRR investor in Cleveland or a foreign national buying in Miami.
Each service page below explains how the program works, who it's best for, key features, and how to qualify. Not sure where to start? Read our DSCR 101 guide or use the DSCR calculator to see if your property qualifies.
Quick decision tree: Buying a long-term rental? → Single-family or multi-family DSCR. Buying an Airbnb? → Short-term rental DSCR. Already own and want equity out? → Cash-out refinance. Buying a fixer to rent? → Bridge-to-perm or BRRRR. Own 5+ properties? → Portfolio loan.
All 18 DSCR Loan Services
Click any service for the full guide — requirements, features, tips, and city availability.
DSCR Loans
Qualify Based on Property Cash Flow, Not Personal Income
Investment property loans that use rental income instead of W-2s or tax returns.
DSCR Loan Requirements
What You Need to Qualify for a DSCR Loan
Credit scores, down payments, DSCR ratios, and property types that qualify.
DSCR Loan Rates
Current DSCR Loan Interest Rates and Pricing
How DSCR loan rates compare to conventional mortgages and what affects pricing.
DSCR Calculator
Calculate Your Property's Debt Service Coverage Ratio
Free DSCR calculator to determine if your investment property qualifies.
DSCR Loans for Short-Term Rentals
Finance Your Airbnb & Vacation Rental Investments
DSCR loans specifically designed for short-term and vacation rental properties.
DSCR Loans for Multi-Family
Scale Your Portfolio with Multi-Family DSCR Financing
DSCR loans for 2–4 unit and 5+ unit multi-family investment properties.
DSCR Loan Tips
Expert Tips to Get the Best DSCR Loan Terms
Insider strategies for maximizing approval odds and minimizing costs.
DSCR vs. Conventional Loans
How DSCR Loans Compare to Traditional Mortgages
Side-by-side comparison of DSCR loans and conventional investment property loans.
DSCR Loans for Single-Family Rentals
The Most Popular DSCR Loan Product for Individual Investors
DSCR financing for single-family rental homes — the bread and butter of investor lending.
DSCR Loans for Condos & Condotels
DSCR Financing for Condominiums and Condo-Hotel Properties
Specialized DSCR programs for warrantable condos, non-warrantable condos, and condotels.
DSCR Loans for New Construction
Finance Newly Built Investment Properties with DSCR Loans
DSCR loans for newly constructed rental properties — skip the build risk, start cash flowing.
DSCR Loans for Mixed-Use Properties
DSCR Financing for Properties with Residential and Commercial Tenants
Mixed-use DSCR loans for buildings combining retail, office, and residential units.
DSCR Portfolio Loans
Blanket DSCR Loans for Multiple Investment Properties
Finance 2–20+ properties under one DSCR loan with a single closing and one monthly payment.
DSCR Cash-Out Refinance
Pull Equity from Investment Properties Without Income Verification
Access your rental property equity via DSCR cash-out refinance — no tax returns needed.
DSCR Loans for Foreign Nationals
US Investment Property Financing for Non-US Citizens
DSCR loans available to foreign nationals investing in US real estate — no SSN required.
DSCR Bridge-to-Perm Loans
Short-Term Bridge Financing That Converts to a DSCR Permanent Loan
Bridge loans for acquisition or rehab that automatically convert to long-term DSCR financing.
DSCR Loans for Commercial Properties
DSCR Financing for 5+ Unit Apartment Buildings and Commercial Real Estate
Commercial DSCR loans for larger apartment buildings and commercial investment properties.
DSCR Loans for Fix & Rent (BRRRR)
DSCR Financing for the Buy, Rehab, Rent, Refinance, Repeat Strategy
Purpose-built DSCR programs for BRRRR investors — buy distressed, rehab, rent, refinance, repeat.
Most Popular DSCR Services in 2026
Single-family DSCR loans remain the most originated DSCR product — they're simple, widely available, and have the lowest qualification thresholds. Close behind are short-term rental DSCR loans, which have exploded as lenders have become more comfortable underwriting Airbnb income using AirDNA projections.
The fastest-growing segment? DSCR cash-out refinances. Investors who purchased in 2020–2023 are sitting on significant equity and using DSCR refis to pull cash out and acquire more properties — without sharing a single tax return. Portfolio/blanket loans are also surging as experienced investors consolidate multiple properties into single loans for simplicity.
If you own property and want to buy more, start with a cash-out refi on your existing rentals. You can pull out 75–80% of the equity with no income docs, then use that cash as a down payment on your next acquisition. This is how portfolio investors scale rapidly.
Find DSCR Services in Your City
Every service above is available in all 650+ cities we cover. Browse by location to see service-specific guides tailored to your market, or use our tools to get started:
Not Sure Which DSCR Service Is Right for You?
Text us your situation and a DSCR specialist will point you to the right program — free, no obligation.