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Free DSCR Rental Loan Quote

DSCR Rental Loan

Unlock the advantages of a 30-year mortgage with low rates and without the hassle of DTI requirements or personal income verification. Tailored for real estate investors and ideal for executing the BRRRR strategy.

0%

Origination Fees As Low As

5.75%

Starting Rate

660

Minimum FICO

Program Highlights

  • Up to 80% LTV on Purchase, Refinance, and Cash-Out

  • Loan Amounts from $100K to $5M

  • 30-Year Fixed Rate | Interest-Only Options Available

  • Airbnb and Short-Term Rental Available

  • Foreign Nationals Eligible with U.S. FICO Score

  • No DTI, Pay Stubs, Personal Income, Tax Returns, or W-2s Required

  • 15–20 Day Closings

Why work with Uncapco Financial

True No-Income Verification

No tax returns, paystubs, W-2s, or employment verification ever required—qualify solely on the property’s rental income and DSCR for effortless scaling.

Unlimited Portfolio Growth

Add as many properties as you want with break-even DSCR qualification—no personal income limits or caps on the number of loans.

BRRRR & Cash-Out Powerhouse

Seamlessly transition from rehab/bridge to long-term hold; maximize cash-out up to 80% LTV to recycle equity into your next deal.

Flexible for Any Rental Strategy

Long-term leases, short-term, Airbnb, or hybrid—we focus on proven or projected cash flow, not tenant type or duration.

Fast, Investor-Friendly Closings

Streamlined process with 15-20 day closings, no DTI hassles, and options like interest-only to preserve cash flow and seize opportunities.

Frequently Asked Questions

What does DSCR mean?

Debt Service Coverage Ratio measures if the property’s rental income covers the mortgage payment (we target 1.0+ break-even); it’s our main qualifier instead of your personal income.

What documentation is required?

Minimal—property details, rental income proof (leases, market comps, or AirDNA for short-term), and basic borrower info. No tax returns, paystubs, or W-2s needed.

Can I use projected rent for purchases?

Yes—we qualify using market rent estimates or comps (including AirDNA for short-term potential), even without current tenants.

How do rates and terms work?

Rates start at 6.25% based on credit, LTV, property strength, and buy-down points; choose 30-year fixed or interest-only options for flexibility.

Can I get cash out or refinance multiple properties?

Yes—cash-out up to 80% LTV (some states 75%); portfolio options available for consolidating multiple rentals under one loan.

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Investor Financing That Actually Works for Pros Like You

Apply Today for Competitive Terms, High LTVs, and Quick Decisions – Backed by Real Experience