DSCR Loans
Purchase, Rate-and-Term Refinance, and Cash-Out
DSCR loans provide financing based on property cash flow rather than personal income, enabling investors to acquire, refinance, or access equity from rental properties without traditional income verification.
DSCR Loans
Cash Flow Based Investment Financing
Typical Terms
& Loan Parameters
Every transaction is structured individually. The parameters below represent typical ranges — actual terms depend on the asset, borrower profile, and market conditions.
Loan Term
30 years or 5–10 year fixed with balloon
Amortization
30 years typical
Rate Structure
Fixed or adjustable
Loan Range
$100,000 – $5,000,000+
Key Highlights
- Purchase, rate-and-term refinance, and cash-out
- 1-4 unit and 5+ multifamily options
- LTVs up to 85% on qualifying transactions
- Programs for lower credit profiles with reduced leverage
- No personal income verification
- Vacant but rent-ready properties considered
- Short-term rental, portfolio, and blanket-loan options
- Prepayment-penalty buy-down options
- Loans to LLCs and corporations
“We structure DSCR loans to align with portfolio growth, liquidity, and long-term leverage strategy — helping investors expand without the friction of traditional personal income documentation.”
Vynra Capital
When to Use DSCR Loans
Purchase Financing
Acquire 1-4 unit or multifamily rental properties based on property cash flow rather than personal income.
Rate-and-Term Refinance
Lower monthly obligations or improve loan structure on existing rental property debt.
Cash-Out Refinance
Access equity from a qualifying rental property to fund portfolio growth, property improvements, or new acquisitions.
Required
Documents
The following documents are typically required for DSCR Loans applications. Requirements may vary by lender — this checklist serves as a baseline to help you prepare and streamline approvals.
Lender Requirements May Vary
This checklist represents baseline documentation. Some lenders may require additional items or waive certain documents based on deal specifics, borrower profile, or loan size.
Property address and details
Lease agreement or projected rent
Rent roll
If applicable
Credit report
Purchase contract
If acquisition
Entity documents
LLC/Corp
Bank statements
Optional depending on lender
Ready to move forward?
Our advisors will guide you through document collection and lender submission.
Representative
Transactions.
Transactions represent financing structured across previous banking, brokerage, and private capital relationships.
$700,000
Seasonal Rental DSCR Loan
Bergen County, NJ
30-year fixed DSCR loan structured for a property converted into a high-demand seasonal rental.
$150,000
DSCR Equity Access Loan
Atlanta, GA
DSCR financing secured by an investor's rental property to fund development of a six-lot residential subdivision.
Ready to Structure the
Right DSCR Loans?
Tell us about your project and goals. We’ll evaluate your situation and align it with the best capital source available.