DSCR Loan Programs

Start with competitive purchase and refinance options for straightforward rental properties. Explore specialty programs when your credit profile, rental strategy, property type, or financing goal calls for a different approach.

FastTrack DSCR compares lenders for both. You do not need to know the right program before requesting a review.

Standard DSCR Purchase & Refinance

A strong starting point for a straightforward rental-property deal.

FastTrack DSCR offers eligible purchase and rate-and-term options up to 85% LTV, and cash-out options up to 80% LTV. Eligible purchases may require as little as 15% down, plus closing costs and any required reserves. Available leverage depends on the full borrower, property and loan scenario.

Compare rates, fees, loan amounts, and prepayment terms across lenders. Strong-credit, well-supported files deserve the same careful lender comparison as complex transactions.

Explore Specialty Programs

Choose the topic that best matches your question. Each program has separate lender requirements; features shown on different pages should not be assumed to combine in one loan. Availability must be confirmed for the full transaction.

Low-FICO & No-Credit-Score

Review credit-sensitive scenarios and the difference between a low score and no established score. No-score does not mean no credit review.

Low-DSCR & No-Ratio

Explore scenarios where rental income does not meet a standard coverage requirement. Review the conditions and trade-offs of alternative income approaches.

High-LTV DSCR Loans

Explore eligible programs up to 85% LTV for purchases and rate-and-term refinances, and up to 80% for cash-out. Compare the cash needed at closing with pricing, rental coverage and other lender requirements.

Short-Term Rental & Airbnb

Explore financing for short-term rentals, including how the rental-income approach, documentation, and permitted property use affect the review.

Blanket & Portfolio Loans

Compare multi-property financing with separate loans. Review property eligibility, combined loan structure, and what happens when you sell an individual property.

40-Year DSCR Loans

Understand the difference between loan term, repayment schedule, fixed-rate period, and interest-only features before comparing a 40-year option with a 30-year loan.

Manufactured-Home DSCR

Review manufactured-home rental scenarios, with attention to the home, land, title, foundation, and property-specific lender requirements.

Second Loans & Investor HELOCs

Explore second-position loans and investor credit lines. Review whether retaining an existing first mortgage makes sense and which qualification approach applies.

PadSplit & Co-Living

Review rent-by-the-room and shared-housing scenarios, including lender acceptance of the rental arrangement, property use, and income documentation.

Not Sure Which Program Fits? Start With the Property.

Complete one detailed quote request with your property, rent, financing goal and estimated costs. These details help us compare eligible lender programs on the same basis. We will review the scenario and follow up on missing information before discussing potential options. No need to complete a different form for each program.

Learn how the process works, review our DSCR FAQs, or contact FastTrack DSCR.

Business-purpose financing for non-owner-occupied investment properties only. FastTrack DSCR is an independent mortgage broker. This information is not a commitment to lend. Program availability, rates, fees, loan amounts, documentation, and approval depend on lender guidelines, property eligibility, state, and underwriting. Not every investor HELOC or second-loan program qualifies on DSCR.