DSCR Loan
DSCR Calculator
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GETTING STARTED
How it works
1
Calculate DSCR
Confirm your property or business generates enough cash flow.
2
Apply Online
Submit property details and basic financials—no tax returns needed!
3
Get Approved
As long as you meet the lender’s requirements, you’ll be approved quickly.
4
Close Loan!
Once approved, close in as little as 7-10 days and start building wealth!
Details & Requirements
Simple terms, no surprises.
Capital DSCR Loan Eligibility
Loan Amount
$100,000 to $3,000,000
Minimum Credit
680
Minimum DSCR Coverage
1.00
Rates
Rates starting at 6.25%
Points
1-3% (Discount Points)
Payment
Fully Amortized, I/O
Purchase Loan to Value (LTV)
Up to 85%
Refinance Loan to Value (LTV)
Up to 80%
Cash-Out Refinance Loan to Value (LTV)
Up to 75 %
Eligible Rental Income Types
Airbnb, Long Term, Vacant
Property Types
Non-Owner Occupied
Single Family Residential
Condo/Townhome (1-4 Units)
Short-Term Rentals
Loan Options
All you need to know
Purchase
Refinance
Cash-Out
DSCR Purchase Loan
DSCR loans are perfect for real estate investors looking to
purchase income-producing properties
—without the red tape of traditional loans.
Ideal for: First-time investors, portfolio buyers, Airbnb hosts
Benefits :
No income or employment verification
Title in your LLC or business name
Works for short-term rentals & long-term holds
Fast closings so you don’t miss a deal
DSCR Refinance Loan
Already own a cash-flowing rental? Refinance it with a DSCR loan and enjoy
better terms
—without showing your tax returns.
Ideal for: Investors with conventional loans, self-employed borrowers, high-rate loans
Benefits :
Remove personal liability (transfer to LLC)
Lock in a lower rate
Extend to a 30-year fixed or interest-only
Simplify finances with streamlined underwriting
DSCR Cash-Out Loan
Use a DSCR cash-out refinance to pull equity from your rental property—
and use that cash to fund your next deal
.
Ideal for: BRRRR strategy investors, value-add buyers, fast-growing portfolios
Benefits :
Use funds for down payments, rehab, or other investments
No income docs required
Keep your rental and still access its value
Build a scalable portfolio using your existing equity
Locations
Investor-Friendly Financing at Your Doorstep
Capital DSCR can lend in these areas.
Capital DSCR can lend in these areas with some restrictions.
Capital DSCR cannot currently lend in these areas.
