DSCR Loans
Our DSCR (Debt Service Coverage Ratio) loans are designed to give real estate investors a faster, more predictable path to long-term rental financing. Instead of relying on your tax returns or personal income, we evaluate the strength of your property’s cash flow. This allows investors – new or experienced to access funding based on the performance of the asset itself, creating a simpler and more scalable approach to building a rental portfolio.
Whether you’re expanding into multiple markets or securing financing for your first rental, our DSCR loans remove the traditional lending barriers that slow investors down. We provide flexible terms, minimal documentation, and a streamlined approval process so you can move confidently from contract to closing. With Premier Lending Partner, you get a financing partner committed to helping you grow, leverage, and stabilize your investment strategy with ease.
If you need an even faster quote, give us a call at (718) 952-7848
How Premier Lending Partner closes the deal on DSCR loans
Premier Lending Partner utilizes a fast, investor-focused process designed to eliminate delays and close DSCR loans efficiently. We start by reviewing the property’s projected or actual rental income, then match the deal with the best DSCR product available – no tax returns, no heavy documentation, and no complicated underwriting. Our team focuses on the core numbers: rent, expenses, DSCR ratio, and credit profile. Once the terms align, we secure preliminary approval within a short timeline so you can move confidently toward closing.
From there, we coordinate directly with appraisers, title companies, and underwriting to ensure every step stays on track. Investors receive transparent updates, clear action items, and dedicated support throughout the entire process.
By handling the heavy lifting and keeping communication simple, we accelerate the funding process and deliver a smooth, predictable closing – so you can secure the property, stabilize your cash flow, and keep scaling your portfolio with confidence.
- Fast, investor-focused approvals
- Simple documentation, smooth underwriting
- Transparent communication at every step
- Reliable closings that help you scale with confidence
Solve the Biggest Roadblocks in Traditional Lending
Our DSCR loans give investors a clear, streamlined path to funding by focusing entirely on the property’s income – not personal tax returns or employment history. If the rental property can cover its payment, you’re already positioned for approval, making the process faster, easier, and far more predictable than traditional lending.
This structure allows investors to move quickly on new opportunities, refinance with confidence, and scale their portfolios without unnecessary documentation or delays. Whether you’re acquiring your next rental or unlocking equity from an existing one, DSCR lending makes long-term investing more efficient and accessible.
All terms are simplified for clarity and may vary by deal:
Loan Amounts: We offer flexible funding sizes to support both single-property purchases and larger portfolio expansions.
Term Options: Choose long-term stability with a fixed rate or lower initial payments with an adjustable-rate mortgage.
DSCR Requirement: A DSCR of 1.0 means the property’s rent covers its mortgage payment. Lower thresholds allow easier qualification.
Credit Score: We allow credit flexibility so investors with strong assets can still secure rental financing.
Property Types: Finance a wide range of rental properties from individual homes to small multifamily and multi-property portfolios.
Documentation: Underwriting focuses on rental cash flow, making the process faster and simpler for self-employed or complex-income investors.
Prepayment Options: You can choose a structure that matches your short- or long-term strategy, whether you plan to hold or refinance later.
Purpose: Use DSCR loans to acquire new rentals, improve your interest rate, or pull cash out for your next investment.
Who Benefits from a DSCR Loan?
New and Experienced Investors
Build or expand your rental portfolio without the strict income documentation.
Investors Scaling Quickly
Use a cash-flow-first approach to grow your doors without being slowed down by traditional underwriting.
Borrowers With Complex Income
Entrepreneurs, self-employed investors, and W-2 earners who don’t want to provide full tax returns.
Ready to Bridge the Gap?
Share your scenario and get fast, personalized feedback from our capital advisory team. We’re here to help you move forward with confidence.
COMMON SENSE MORTGAGE LENDING
DSCR Loans FAQ
Most deals qualify with a DSCR of 1.0+, depending on credit, property type, and market rents.
No. DSCR loans are asset-based, so we don’t require tax returns or personal income documentation.
Yes. We allow Airbnb, VRBO, and short-term rental properties as long as the projected rental income supports the payment.
1–4 unit homes, condos, townhomes, and small multifamily (up to 8 units).
Portfolio DSCR options are also available.
Most closings happen in 10–21 days, depending on appraisal timing and title.
Typically 660+, but higher credit will improve pricing and options.
Yes. You can pull equity from your rental to reinvest or scale your portfolio.
Yes. We fund LLCs, corporations, Trusts, and individuals.
Yes. We use market rent analysis (1007) to calculate DSCR on vacant properties.
Yes, DSCR loans typically include a prepayment structure, but options vary.
You can choose lower penalties or no prepay depending on pricing.
