DSCR Purchase Loans
Acquire a ready-to-rent investment property using a business-purpose loan evaluated primarily on the property’s rental income and projected housing expense.
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DSCR loan options
DSCR Financing for Miami Rental Properties
Eight focused purchase and refinance paths for ready-to-rent, non-owner-occupied investment properties.
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Match the page to what you need to accomplish
Each option has unique eligibility, documentation and underwriting considerations. All are limited to business-purpose rental-property transactions.
DSCR Rate-and-Term Refinance
Replace an existing investment-property loan to adjust rate, term or payment structure without making cash proceeds the primary purpose.
Explore this DSCR optionPrimary refinance option
DSCR Cash-Out Refinance
Refinance a stabilized rental property and receive approved equity proceeds while qualifying primarily through the property’s rental cash flow.
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Airbnb & Short-Term Rental DSCR Loans
Evaluate purchase or refinance options for an eligible short-term rental using lender-accepted property income rather than personal DTI.
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Evaluate financing for multiple rental assets through coordinated property-level loans or an eligible portfolio structure.
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DSCR Loans for LLCs
Purchase or refinance an eligible rental property through an LLC while the lender evaluates property cash flow and guarantor qualifications.
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DSCR Loans for First-Time Investors
Prepare a first rental-property purchase around the property’s cash flow, required equity, reserves and lender documentation.
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DSCR Loans for Condos & 2–4 Units
Evaluate eligible condominiums, duplexes, triplexes and four-unit rentals using property cash flow and lender-specific asset guidelines.
Explore this DSCR optionDiscuss the property
Start with a property-specific DSCR review
Share the property type, rent, value or purchase price, requested loan amount and timeline. We will help organize the scenario and identify participating-lender options that may fit.
- Purchase, rate-and-term and cash-out requests
- Non-owner-occupied rental properties only
- No obligation and no guarantee of approval