Loan Program

DSCR Rental Loans for Real Estate Investors

Cash Flow–Based Financing for Your Rental Property Portfolio

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What Is a Bridge Loan?

A DSCR (Debt Service Coverage Ratio) loan allows investors to qualify for financing based on the property’s income — not personal tax returns or employment verification.

These loans are ideal for rental portfolios, Airbnb properties, or investors using the BRRRR strategy

Understanding the DSCR Formula

The Debt Service Coverage Ratio (DSCR) is calculated by dividing the property's monthly rental income by its monthly debt obligations (mortgage payment, taxes, insurance).

Formula: DSCR = Net Operating Income ÷ Total Debt Service

  • If a rental property earns $5,000 monthly net income and total loan payments are $4,000, then DSCR = 1.25.
  • Most private lenders require a DSCR of 1.0 to 1.25, meaning the property’s income should cover its debt payments by at least that ratio.

Loan Highlights

  • Funding for residential (non-owner-occupied) and commercial properties
  • Loan Amounts: $125,000 – $50,000,000
  • LTV (Cash-Out Refinance): 60%–80%
  • LTC (Ground-Up Construction): 85%–95%
  • Terms: 6–24 months
  • Interest-only payments
  • Fast approvals and streamlined documentation

Eligible Property Types

  • Single-Family Rentals (1–4 Units)
  • Condominiums & Townhomes
  • Small Multifamily (5–20 Units)
  • Airbnb / Vacation Rentals
  • Mixed-Use Investment Properties

Why Choose PrivateMoney.com

  • Access private DSCR lenders who specialize in investor financing
  • Close faster than conventional banks — often within 10–21 days
  • Build long-term rental wealth using private capital
  • Transparent process with no hidden fees
  • Support for portfolio expansions and repeat borrowers

Get Qualified Based on Cash Flow — Not Tax Returns

Submit your DSCR loan scenario now and get matched with private investors ready to fund your rental property.

Submit Your Deal Scenario