STANDARD DSCR FINANCING
Standard DSCR Purchase & Refinance Loans
FastTrack DSCR compares rental-property financing options up to 85% LTV for eligible purchases and rate-and-term refinances, and up to 80% LTV for eligible cash-out refinances. Compare leverage, rate, fees and conditions together; the available terms depend on your complete transaction.
You do not need a difficult deal to benefit from a broader lender search. Smaller balances can also require a specialty search—see our guide to DSCR loans under $100,000. Investors with less common borrower or property facts can also start with our guides for first-time investors, vacant rental properties, and LLC-owned rentals.
Business-purpose investment loans. Non-owner-occupied properties. Availability and terms depend on the lender and state.
Strong credit. Solid rental income. More reason to compare.
This is the starting point for investors with an ordinary rental-property purchase or refinance: a property in good condition, a solid credit profile, and rental income that supports the proposed payment. Eligible properties may include single-family rentals, townhomes, condos, and two-to-four-unit properties, depending on the program.
DSCR financing generally focuses on the property’s qualifying rental income instead of personal income documents. Credit history, property value, available cash, and lender requirements still matter. Standard DSCR is not the same as a conventional agency mortgage.
Purchase a Rental
Explore eligible purchase financing up to 85% LTV. Review the down payment, estimated monthly payment, closing costs, reserves and underwriting conditions before choosing a lender.
Rate-and-Term Refinance
Review eligible rate-and-term refinance options up to 85% LTV without a substantial cash-out goal. Compare the new rate, payment, loan term, closing costs and any penalty on the existing loan.
Cash-Out Refinance
Explore eligible cash-out financing up to 80% LTV. Available cash depends on the approved loan amount after the existing payoff, closing costs and other transaction deductions, with ownership history and program requirements still applying.
Compare the Whole Loan, Not Just the Headline Rate
Rate and upfront costs. Compare quotes using the same loan amount, points, and fee assumptions. A lower advertised rate is not automatically the better overall offer.
Loan amount and cash needed. Loan-to-value (LTV) is the loan amount relative to property value. Review how the lender’s limit affects your down payment or refinance proceeds.
Monthly payment and loan structure. Compare principal and interest, taxes, insurance, and applicable association dues. Fixed-rate, adjustable-rate, and interest-only options have different trade-offs.
Prepayment terms. Review the cost of selling, refinancing, or paying down the loan early. The right structure should fit how long you expect to hold the property.
Requirements and timing. Confirm the rent calculation, cash reserves, ownership-history requirements, and conditions that could affect closing.
Already have a quote? Ask us to compare it on equivalent terms. Our goal is a competitive, practical fit, not a promise to beat every lender on every file.
Standard DSCR Loan Questions
No. Straightforward rental purchases and refinances are a core part of our business. We compare lender options for strong-credit, well-supported files as well as specialty scenarios.
No single threshold applies to every program. The required credit score, rental-income coverage, down payment, and reserves depend on the lender and transaction. We review those details together rather than treating one number as an approval.
DSCR programs generally use qualifying rental income rather than personal-income documentation. That does not mean no documentation: lenders still review credit, property details, funds, and other requirements.
Ask us to review the available loan structures. A 40-year label does not by itself establish a fully amortizing, fixed-rate loan for all 40 years. Review the fixed-rate period, repayment schedule, and any interest-only period. See our 40-year DSCR guide.
Complete the detailed quote request with your property, rent, financing goal and estimated costs so we can compare eligible lenders on the same basis. We review your property and financing goal, follow up for any missing details, and discuss potential lender options. A quote request is not loan approval or a rate lock. See how the process works.
Put Your Next Rental Loan in Perspective
Tell us what you are buying or refinancing. We will review the available options and explain the trade-offs without making the initial request more complicated than it needs to be.
Planning a cash-out refinance? Read our DSCR cash-out refinance requirements guide.
Different rental strategy? Explore short-term rental financing, blanket and portfolio loans, or all DSCR loan programs.
FastTrack DSCR is an independent business-purpose mortgage broker. Information is general and is not a commitment to lend. Rates, fees, loan amounts, property eligibility, and approval are subject to lender guidelines and underwriting. Not for a primary residence or personal-use second home.