DSCR loans: your rental's income qualifies you, not your paycheck.
One test decides a DSCR loan: does the rent cover the full monthly payment? When the property pays its own way, we can usually structure a purchase or a refinance around it.
Qualify My Rental
What's your primary goal?
Pick the one that sounds most like you.
Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending
No credit check to complete this quiz · your info is never sold
60 seconds · no hard credit pull · never sold
- No tax returns, and no income or employment verification.
- No title seasoning on a cash-out of $100K or more: refinance as soon as you close or finish the rehab, based on what the property appraises for today, not what you paid. Under $100K, 6 months on title first.
- Refinances at 620+: cash out up to 75% of value, or up to 80% on a rate-and-term refinance.
- DSCR HELOC or DSCR second mortgage: tap a rental's equity up to 75% combined loan-to-value and leave your first mortgage as it is.
- Purchases with 20% down, on loans from $75,000 to $3,000,000.
- Your credit sets the leverage, not a yes or no: 620+ for standard terms; below 620, refinances up to 50% of value and purchases with 50% down.
- Vest in your own name or your LLC, with no cap on how many properties you finance.
- Long-term and short-term rentals: market rent or short-term rental history can qualify.
- 1031 and reverse 1031 exchanges, land-contract refinances after 6 months, and probate or inheritance buyouts (75% of value as a cash-out, 80% as a purchase).
- 1–4 unit rentals, including rural rentals on as much as 40 acres (some programs).
Rather just talk? Call or text us at (949) 401-7593
0
Tax returns needed
$75K–$3M
Loan amounts
20%
Minimum down on purchases
No cap
On properties financed
Any
Credit score: your tier sets the leverage
DSCR = monthly rent ÷ the full monthly payment (principal, interest, taxes, insurance and HOA). A ratio of 1.00 means the rent covers the payment. Under 1.00 can still work at a lower loan-to-value. Below 620 credit, refinances are capped at 50% of value and purchases need 50% down plus closing costs.
Straight Answers Up Front
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.
We can help with:
- Investment properties, 1–4 units, purchase or refinance
- Cash-out with no title seasoning at $100K+ (BRRRR-friendly), up to 75% of value
- DSCR HELOCs and DSCR second mortgages, up to 75% combined loan-to-value
- 620+ credit on standard terms; below 620, refinances up to 50% of value and purchases with 50% down
- Ratios under 1.00, at a lower loan-to-value
- LLC vesting, short-term rentals, and rural rentals on as much as 40 acres (some programs)
- Loans from $75,000 to $3,000,000
We're not the right fit for:
- Your primary residence (see HELOC, P&L or Conventional)
- DSCR purchases in North Dakota & South Dakota, or DSCR there at 620+ credit
- Cash-out above 75% of value, or a rate-and-term refinance above 80%
- Loans above $3,000,000 or under $75,000
- Properties outside the 35 states + D.C. where Arran is licensed
If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.
Simple Qualifications
Rent covers the payment? Then let's talk.
For investors growing a portfolio, whether it's your first rental or your twentieth.
Good Fit If
The property carries its own payment.
- Rent that covers the full payment (the main test)
- A purchase or refinance of an investment property
- 1–4 unit rentals, long-term or short-term
- Pulling cash out as soon as a rehab is done (BRRRR), at $100K+
- Credit at 620+, or below 620 with real equity
- Rural rentals on as much as 40 acres (some programs)
What You Skip
The paperwork conventional loans pile on investors.
- No tax returns or income verification
- No debt-to-income math
- No employment checks
- No property-count limits
Seasoning and leverage
When you can refinance, and how far.
How long you need to own the property before a refinance, and how much of its value the loan can reach.
| Scenario | What applies |
|---|---|
| Cash-out refinance, $100K or more | No title seasoning, sized on today's appraised value, up to 75% of value |
| Cash-out refinance, under $100K | 6 months on title first |
| Rate-and-term refinance | No title seasoning, up to 80% of value |
| Land-contract refinance | 6 months of seasoning |
| DSCR HELOC or second mortgage | Up to 75% combined loan-to-value; your first mortgage stays in place |
| Credit below 620 | Refinances up to 50% of value; purchases with 50% down |
All loans subject to credit approval.
Calculator
DSCR Calculator
Estimate your debt service coverage ratio for a purchase or a refinance.
1.00 = the rent covers the payment · 1.25+ typically gets the best terms · under 1.00 can still work at a lower loan-to-value
Purchase or refinance
Enter the rate you want to model. We don’t advertise rates; your pricing is quoted individually.
Closing costs (share of the loan)
30-Year Fixed
Enter your 30-year fixed rate above to see this side.
Interest-Only
Enter your interest-only rate above to see this side.
Below 620 credit: purchases need 50% down, and refinances go up to 50% of value, counting the new loan.
Fills in the quiz at the top of this page. This button sends nothing.
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Products
A program for nearly every scenario.
More programs are in the tabs at the top. Need something else? Call or text (949) 401-7593.
- Our Most Popular Product
5-Day HELOC
Qualify on household income, no income docs at 680+ on lines of $150K+, keep your low-rate first mortgage
See HELOC options → - ★ Self-Employed
P&L Loan
Your accountant prepares a profit and loss, and that income qualifies you
See P&L Loan options → - Cash In Hand
Refinance / Cash Out
Pull cash out for your next investment, or roll your debts into one loan
See Refinance options → - Buy & Hold
Rental Property Loan
Long- or short-term rentals, 1–4 units: the rent qualifies, 20% down to buy
See Rental Loans options → - Speed
Hard Money
Asset-based: close in days, not months. Purchase or refinance
See Hard Money options → - Strong Credit
Conventional
620+ credit. Up to 80% LTV cash out, 95% LTV rate and term
See Conventional options → - Primary Residence
FHA Loan
3.5% down at 620+. Up to 80% LTV cash out, 97.5% LTV rate and term
See FHA options → - Veterans
VA Loan
Veterans and active duty: 0% down at 620+, no PMI, up to 100% LTV
See VA options → - No Monthly Mortgage Payment
Reverse Mortgage
55+: equity access, no monthly mortgage payment
See Reverse options → - Credit From 500
Equity Investment (HEI)
Cash for your equity. No monthly payments, credit from 500
See HEI options → - Bank Deposits
Bank Statement
Your bank deposits qualify you, not your tax returns
See Bank Statement options → - No Income Docs
No-Ratio
Investment properties: 680+ credit, no income docs, up to 65% LTV
See No-Ratio options → - Buying a Home
Purchase
Get pre-approved for your next home
See Purchase options → - Let the quiz decide
Not Sure? Show Me Options
Fill out the quiz and Arran will personally match your scenario to the right program you qualify for
Find my program →
Our Process
From first question to funded, in four steps.
No guesswork. No pressure. Just a clear path to the right loan.
- 1
Tell us your scenario
Answer a few questions online in about 60 seconds, or call or text (949) 401-7593. Seeing your options takes no hard credit pull.
- 2
We shop your options
We shop your scenario across many lenders and lay out the trade-offs plainly, so you can pick the fit.
- 3
Apply and get approved
Complete the full application. We tell you up front which documents your program needs, and nothing more.
- 4
Close, and keep us on call
Sign and fund. When the next purchase, refinance or line of credit comes up, you already know who to call.
Guides
Go deeper before you decide.
Plain-English guides with the same numbers the quiz uses.
No-Seasoning DSCR Loans: Refinance Without the Wait
No title seasoning on DSCR cash-outs of $100,000+: refinance on today's appraised value, up to 75% cash-out or 80% rate-and-term, with a worked BRRRR example.
Read the guide →DSCR HELOCs and Second Mortgages for Rental Properties
A DSCR HELOC or closed-end DSCR second on a rental: qualified on the rent, up to 75% combined loan-to-value, first mortgage untouched, and when a HELOC fits.
Read the guide →How to Choose a DSCR Lender: The Terms That Matter
How to compare DSCR lenders: the seven terms that really differ, eight questions to ask before you sign, the red flags, and our own published DSCR box.
Read the guide →FAQ
Frequently Asked Questions
Common questions about DSCR Loan loans.
Get Started Today
Straight answers, fast.
Check your DSCR options in about 60 seconds with no hard credit pull, or call or text and talk it through with Arran's team.
Rather pick a time? Book a call
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.