DSCR Loans for Real Estate Investors

DSCR financing allows eligible investors to qualify primarily around the rental property’s income performance instead of relying only on traditional personal-income or employment documentation.

Get a DSCR Quote

Deal review starts withProperty · Strategy · Numbers

Clear information early helps FundFastr review the applicable structure.

Up to $3.5MLoan amount

640Minimum credit

Up to 85%Maximum LTV

Purchase · Refinance · Cash-OutTransactions

40-Year IO AvailableTerm option

One Product · Three Paths

Start With the Property, Then Choose the Structure.

Standard DSCR

For eligible single-family rentals, 2–4 unit properties, condotels, and non-warrantable condos. Gift funds may be allowed subject to underwriting.

5–8 Units & Mixed-Use

For larger residential and qualifying mixed-use properties, with commercial use limited to 49.99% of total building area.

Cross-Collateral DSCR

An advanced structure for eligible investors financing as many as 25 investment properties within one loan.

What We Look at First

The first review centers on the property’s rental income, PITIA, value, transaction type, borrower credit profile, and whether the property fits the requested DSCR structure.

Monthly qualifying rent
Principal, interest, taxes, insurance, and HOA
Property type and unit count
Purchase, rate/term, or cash-out purpose
Requested leverage and credit profile

What Usually Causes a DSCR Deal to Miss

A promising rental can still fall outside the requested structure when expenses are understated, the appraisal changes the value or rent, or the property and transaction do not fit current program guidelines.

Taxes or insurance materially increase PITIA
Appraised rent or value comes in below expectations
Requested leverage exceeds the available structure
Property eligibility changes after full review
Required liquidity or documentation is incomplete

How Rental Income Is Reviewed

The applicable program and transaction determine which rent evidence may be used. The lease, appraisal market-rent schedule, short-term rental history, and property configuration can all affect the review. A calculator estimate is not an underwriting decision.

DSCR Calculator

Estimate the Property’s DSCR.

Monthly Rent ÷ PITIA = DSCR

This calculator is for illustration only. It does not determine approval, qualification, or eligibility.

Monthly rent$Principal + interest$Property taxes$Insurance$HOA$

Estimated DSCR—

Enter the monthly property income and expenses to estimate DSCR.

Questions

DSCR Loans FAQ

What is a DSCR loan?+

A DSCR loan is investment-property financing that evaluates the property’s rental income relative to its monthly housing expense.

Is employment required for Standard DSCR?+

The current working program is designed around investment-property cash flow and does not require employment, subject to full underwriting and current program requirements.

Can DSCR financing be used for a refinance?+

Yes. Current working transaction types include rate/term refinance and cash-out refinance in addition to purchase financing.

Does the maximum LTV apply to everyone?+

No. Maximum leverage is not automatic. The available structure depends on the property, transaction, borrower profile, underwriting, and current program availability.

Submit the Deal

Know the Property. Let’s Review the Structure.

Start with the core transaction details. The quote flow adapts to the financing type.

Get a DSCR Quote