DSCR Loans for Rental Property Investors
Qualify on the rent, not your paystubs.
A DSCR rental loan qualifies on the property's income — if the rent covers the payment, you're in the conversation. On these programs personal tax returns and pay stubs typically aren't required; property, entity, and reserve documents still are.
Capco Capital is a commercial lending advisory firm that arranges financing as a loan broker, not a lender. Amounts, terms, and guidelines shown are general ranges that vary by lender, borrower, and (where applicable) property or collateral — they are not an offer or a commitment to lend.
Who it fits and how it works
DSCR loans fit real-estate investors buying or refinancing 1–4 unit rentals (some programs go larger), held in an LLC or personally. The loan qualifies on the property's rent: if the rent covers the payment, you're in the conversation. Personal tax returns and pay stubs typically aren't required, but the lease or rent schedule, insurance, entity documents, and reserves are. We match the property to DSCR programs in our lender network.
Why DSCR
Typical highlights — actual eligibility and terms depend on the funding partner and your qualifications.
Who it's for
Real-estate investors holding long-term rentals in an LLC or personally. Short-term rentals are reviewed case by case under the same programs.
We arrange financing for businesses nationwide, except in California.
What lenders typically look for
General market ranges across the programs we place — not a quote, and not a promise of approval. Your specialist confirms what fits your file.
| Credit | About 640+ |
|---|---|
| Rent coverage | Rent at or above the payment (about 1.0x) on standard programs |
| Leverage | Up to about 75% of value on cash-out refinances |
| Minimum loan | About $55,000 |
| Seasoning | About 3 months of ownership for a cash-out refinance |
| Paperwork | Lease or rent schedule, insurance, entity docs, reserves |
| How fast | Commonly three to five weeks to close. |
How it works
The same five steps for every deal we place — including the parts other lenders gloss over.
Pre-qualify
Two minutes, no credit pull. You get an instant read on your options.
Consult & apply
Talk it through with one of our team members, then submit the full application for your specific loan type — guided the whole way.
Match & negotiate terms
We package your file and place it with the lenders most likely to approve your deal. Offers come back; we compare them side by side and negotiate structure and pricing. You choose — nothing moves without you.
Underwriting & documents
Link your bank or upload documents once. Lenders often request additional documentation in underwriting — normal on nearly every deal, and we quarterback each request so nothing stalls.
Close & fund
Final approval, e-signatures, and closing on a real timeline — working capital in days, property on schedule. Then the capital lands.
Documents you'll typically need
A starting checklist for dscr rental loan — your specialist confirms the exact list for your funder.
- 01Signed applicationapplication
- 02Photo ID (owner)id
- 03Subject property address & detailsproperty
- 04Property insurance quote / binderproperty
- 05Entity docs (operating agreement, EIN letter)entity
- 062 months bank statements (reserves & cash to close)bank
- 07Current lease(s) / rent rollproperty
- 08Purchase contract or current mortgage statementproperty
Industries we often advise on for DSCR Rental Loan
Where dscr rental loan is one of the best-fit options for how the business earns.
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