DSCR Loans for Rental & Investment Properties
Financing for rental and investment properties, based on the rent the property brings in. Share your scenario and we'll connect you with a lending partner.
- ✓Qualify on the property's rental income (DSCR), not your tax returns
- ✓Purchase, rate/term refinance or cash-out refinance
- ✓1–4 unit rentals; LLC borrowers welcome
- ✓Investment properties only, not your primary residence
New to DSCR loans? Read DSCR loan requirements: how to qualify.
Business-purpose loans for investment properties only. GoSwiftFund LLC is a financial technology platform and marketplace, not a lender, and does not make credit decisions. All loans are subject to the lending partner's review and approval; rates, terms and availability vary by property, state and borrower profile.
Frequently Asked Questions
Can I get a DSCR loan through an LLC?
Yes. DSCR loans are commonly originated to an LLC or other business entity rather than an individual, and LLC borrowers are welcome on our DSCR applications.
Do you offer DSCR loans in Florida?
Yes. GoSwiftFund is based in Florida and DSCR loans are available there along with the rest of the U.S. Share your property's state and we'll match you with a lending partner licensed for it.
What is a DSCR loan and how does it work?
A DSCR (debt service coverage ratio) loan is an investment property loan underwritten on the property's cash flow. The lender compares the rent the property brings in to its monthly debt payments, instead of qualifying you on personal income or tax returns.
Do you offer DSCR loans in Texas?
Yes. DSCR loans are available in Texas and the rest of the U.S. Share your property's state and we'll match you with a lending partner licensed for it.
How much down payment does a DSCR loan need?
DSCR loans require a down payment (or existing equity, on a refinance) rather than 100% financing. The amount depends on the property, its rental income and your credit profile, and is confirmed when your scenario is priced.
How is a DSCR loan different from a conventional mortgage?
A conventional mortgage qualifies you on personal income and debt-to-income ratio. A DSCR loan qualifies the property on its rental income, can close in an LLC's name, and is for investment properties only, not a primary residence.
What's required to qualify for a DSCR loan?
Qualification is based on the property, not your personal tax returns: the rent it brings in relative to its monthly debt payments (its debt service coverage ratio), the property type, and your credit profile. Exact minimums vary by lending partner and are confirmed when your scenario is priced.