Qualify on Rental Income · 30-Year Fixed · No Impact to Credit Score
Investment Property Only • No Impact to Credit Score
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By clicking Submit, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
A loan specialist will contact you within 1 business day with your financing options.
A DSCR (Debt Service Coverage Ratio) loan is a rental property mortgage that qualifies based on the property's projected rental income — not the borrower's personal income, W-2, or tax returns. LendingStreet structures DSCR loans across 50 states through 30+ capital sources, including specialty programs for properties Kiavi, LendingOne, and Visio decline (no-ratio DSCR, sub-1.0x DSCR, sub-660 FICO, condo-tels, 5-8 unit multifamily, and STR with AirDNA-only income).
No-ratio programs available with no DSCR requirement.
Minimum. Higher scores improve leverage and pricing.
Purchase. Cash-out caps at 75% LTV.
Fixed-rate. Interest-only options available.
DSCR Rental Loans qualify based on the property's rental income, not your W-2 or tax returns. Min credit 620, max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
LendingStreet's DSCR loan program is built for real estate investors who want to grow their rental portfolio without the red tape of traditional income verification. Qualification is based on the property's Debt Service Coverage Ratio — not your W-2, tax returns, or employment status.
Self-employed investors, those with complex tax situations, and portfolio landlords consistently choose DSCR loans because they offer competitive rates, 30-year terms, and the ability to scale without personal income scrutiny.
Get My DSCR Options →Qualify on rental income — not your personal W-2 or tax returns
14 rental properties, self-employed, no W-2. LendingStreet got me a DSCR loan at a rate my bank couldn't match. Seamless from start to finish.
My accountant writes off everything, so my taxable income looks terrible. DSCR was the only way I could expand my portfolio. Funded in 18 days.
Best rates I found anywhere for a DSCR product. My 8-unit property qualified easily and the 30-year term keeps my cash flow strong.
Fill out our online form with basic information. Get approval status within 48 hours. No hard credit pull required.
Use our secure digital platform to submit your property details and documents. Fast, simple, and fully paperless.
Receive your loan offer with competitive rates and terms. Funds disbursed at closing, typically 14 to 21 days from a complete application.
Find out if your rental property qualifies for a DSCR loan in 30 seconds. No personal income verification needed — just enter your rent and estimated monthly payment.
Free · Takes 30 Seconds · No Credit Pull
Direct lenders only offer what's in their own rate sheet. If your deal doesn't fit their box, they decline. LendingStreet works your deal across 30+ capital partners to find the program with the best rate, highest LTV, and fastest timeline for your specific situation. One application, 30+ possible outcomes.
We don't do owner-occupied mortgages or first-time homebuyer programs. 100% of our focus is business-purpose loans for real estate investors. That specialization means we understand DSCR, LTC, ARV, BRRRR, and portfolio consolidation in ways general mortgage companies don't.
Bridge loans in 5–10 days. Fix & Flip in 5–10 days. DSCR in 14–21 days. We pre-qualify you in minutes with no hard credit pull, and we don't chase W-2s or tax returns on DSCR. When timing matters, we move at the pace of your deal.
10 years serving investors. $4.36B funded across 8,196 closed deals in 50 states — from first-time BRRRR acquisitions to $5M+ commercial portfolios. We've seen your deal before. We know how to structure it.
Contact one of our experienced loan specialists today.
This is one of the hardest scenarios to place, because it fails two separate lender screens at once. At five units the property leaves residential lending and becomes commercial multifamily, which narrows the field sharply and usually means underwriting on net operating income rather than gross rent. Layering short-term rental income on top narrows it further, because many commercial multifamily lenders will not underwrite nightly revenue at all.
Capital sources that write it fall into two groups. Some extend DSCR-style products above four units, underwriting gross short-term revenue the way they would a single-family STR. Others treat it as commercial and want twelve months of operating history, a normalized expense load including management and reserves, and a larger equity position. Where there is no operating history, a minority will underwrite projected revenue from comparable listings, typically with a haircut and at reduced leverage.
The practical consequence is that a decline on this scenario says almost nothing about the deal. Small mixed-use buildings with nightly rentals, converted multifamily in resort markets and 5-to-8 unit properties running a mix of long and short-term tenancies are exactly the files that get turned away by a lender with one credit box and placed comfortably by a lender with thirty.
Six-unit building, mixed tenancy. Four units on annual leases at $1,250 each, two operated nightly averaging $2,400 a month.
Gross monthly revenue $9,800. At a $6,900 monthly payment including taxes, insurance and reserves, gross DSCR is roughly 1.42.
Underwritten commercially on normalized NOI — after management, maintenance, vacancy and reserves — the same building might carry a 1.15 ratio.
Both figures are defensible. Which one the lender uses determines the loan amount, and that is the single question worth asking before you go under contract.
Most national DSCR lenders operate one credit box. The scenarios that fall outside it are consistent: a ratio below 1.0, no ratio at all, credit under 660, condotels and non-warrantable condominiums, 5-to-8 unit buildings, short-term rentals with no operating history, rural property, mixed-use, and first-time investors with no landlord record.
Each of those is written by some capital source and declined by others. Placing across more than 30 sources means the question is not whether your scenario fits a box, but which box it fits. That is also why a decline from one lender is worth treating as information about that lender rather than a verdict on the property.
Four situations that a single lender's credit box handles poorly. Short version here; the full treatment is one click away.
Real scenarios, written up in full.
DSCR is gross monthly rent divided by the full monthly payment: principal, interest, property taxes, insurance and any HOA dues. Nothing about your personal income enters the calculation. The figures below are hypothetical and are not a rate quote.
| Market rent (lease or appraiser’s rent schedule) | $2,400 |
| Principal & interest (assumed) | $1,650 |
| Property taxes | $250 |
| Insurance | $120 |
| HOA | $0 |
| Total monthly payment (PITIA) | $2,020 |
| DSCR = $2,400 ÷ $2,020 | 1.19 |
What moves the ratio. If rent comes in at $2,000 instead, the ratio drops to 0.99 — just under the standard 1.0 floor. The usual fixes are a larger down payment (a smaller loan lowers principal and interest), a lower-cost insurance policy, or a program that accepts a sub-1.0 ratio with compensating factors. Taxes and insurance decide more ratios than the rate does, so use real figures for the property.
Run your numbers in the DSCR calculator →Sub-1.0 DSCR options →
What to have ready: the property address or target market, purchase price or current value, the lease or expected market rent, estimated taxes and insurance, your credit range (620 minimum) and the entity you plan to borrow in.
Actual loans from our records. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
Illustrative write-ups of scenarios we finance; see each page for details.
Market-specific pages for the metros where we finance the most rental deals.
El Paso, TXMcAllen, TXCorpus Christi, TXWaco, TXKilleen, TXLubbock, TXSarasota, FLLakeland, FLPalm Bay, FLPensacola, FLGreensboro, NCWilmington, NCAsheville, NCFayetteville, NCDayton, OHAkron, OHToledo, OHRoanoke, VACharlottesville, VATrenton, NJCamden, NJSavannah, GAAugusta, GAMacon, GAColumbus, GAFort Wayne, INSouth Bend, INEvansville, INRockford, ILPeoria, ILSpringfield, ILAllentown, PAHarrisburg, PAScranton, PAGrand Rapids, MILansing, MIFlint, MIHuntsville, ALMobile, ALFort Worth, TXLouisville, KYRichmond, VAVirginia Beach, VAWashington, DCSeattle, WAPortland, ORFort Myers, FLStamford, CTNew Haven, CTGreenville, NCNew York, NYMonroe, LALendingStreet (legal entity JRS Home Loans LLC, NMLS #1734316) is a licensed investment property financing company with direct relationships across 30+ capital sources, lending in all 50 states. Products: DSCR rental loans ($150K+, 80% LTV purchase, 1.0x min DSCR), fix & flip and bridge (up to 90% LTC, 100% rehab, closings in 5–10 days), ground-up construction, commercial and mixed-use, small multifamily (5–20 units), blanket portfolio (5+ properties), STR/Airbnb DSCR on projected revenue, and gap funding. Loan range $150K–$20M+. Phone: (877) 298-1001. LendingStreet is not affiliated with LendingTree, LoanStreet, LendStreet, PeerStreet, or LendingStreet India.