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DSCR Rental Loans

Scale Rentals.
Fund Smarter.

Qualify using property cash flow — not personal income. CBiz Capital helps real estate investors purchase, refinance, and grow rental portfolios with fast, flexible DSCR financing.

No Personal Income Close in Your Name or LLC Built for Portfolio Growth
Apply Now → DSCR Calculator →
DSCR Scenario

Rental Cash Flow Review

Monthly Rent$3,800
Monthly Debt Payment$2,950
Property TypeSingle-Family Rental
Estimated DSCR
1.29x
Qualifies
for financing

Illustrative example. Submit your scenario for actual terms.

24–48 hrsTerms Reviewed
20–30 DaysTo Close
LLCOwnership Friendly
NationwideLending Options
Rental Property Financing

Qualify Based on Property Income

DSCR loans are built for investors who want to grow without the constraints of traditional lending. Approval is based on the property's ability to cover its debt service — not your W-2.

Review My Scenario →

Best For

Investors who need flexible, scalable financing

  • Rental property investors
  • Self-employed borrowers
  • LLC-owned investment properties
  • Portfolio owners scaling quickly
  • Purchase or refinance scenarios
  • Long-term hold strategies
Benefits

Why Investors Choose DSCR Loans

Flexible rental property financing built for investors who prioritize cash flow, speed, and long-term portfolio scale.

No Personal Income Focus

Qualify using property cash flow instead of traditional income documentation or employment verification.

Portfolio Growth

Scale beyond the limits of conventional investment property lending without income restrictions.

LLC Friendly

Close in your personal name or company (LLC) name — no need to transfer title after closing.

Purchase or Refinance

Use DSCR financing for acquisitions, rate/term refinances, or cash-out strategies.

Investor-Focused Terms

Loan structures designed around rental property strategy — not owner-occupied underwriting boxes.

Fast Review

Get real feedback quickly so you can move on your opportunity before the window closes.

Loan Parameters

General Requirements

Typical loan parameters for DSCR rental financing. Every deal is different — submit your scenario for a specific review.

Minimum DSCR

1.0x – 1.25x

Varies by lender and property type

Loan Amounts

$100K – $3M+

Single-family, multi-unit, and portfolios

Credit Score

620+ Minimum

Better pricing available at 700+

Property Types

SFR, 2–4 Units, Condos

Short-term rental scenarios available

Ownership

Individual or LLC

Entity-level ownership supported

Use of Funds

Purchase or Refinance

Rate/term and cash-out available

Amortization

30 Years

Unlike bank loans — full 30-year terms keep monthly payments low and cash flow strong
DSCR Calculator

Run the Numbers Before You Apply

Use the CBiz Capital DSCR Calculator to estimate property cash flow, debt coverage ratio, and potential loan fit before submitting your deal.

Use DSCR Calculator →

Calculator Covers

Estimate your deal before you submit

  • Monthly rent vs. debt payments
  • Estimated DSCR ratio
  • Purchase and refinance planning
  • Fast investor scenario review
  • Cash-out strategy modeling
Process

A Simple Path to DSCR Funding

Straightforward steps designed to help investors move quickly from scenario review to funding.

Submit Your Property

Send the address, estimated rent, current value, and your loan request. We'll review quickly.

Review Cash Flow

We evaluate the rental income, debt service coverage, and structure that fits your strategy.

Get Terms & Close

Move forward with financing structured around your rental property and long-term goals.

Start Here

Ready to Finance Your Next Rental?

Submit your DSCR scenario and get financing feedback within 24–48 hours.

Apply Now →