DSCR / Landlord Loans

Maximize Your Cash Flow with a Landlord Loan

At RS Capital, we empower real estate investors to scale their rental portfolios with zero hassle. Our DSCR Loan Program (Debt-Service Coverage Ratio) is designed specifically for buy-and-hold investors looking for long-term financing based on the property’s income—not yours.

Whether you’re refinancing or purchasing, this program gives you the freedom to grow without tax returns, pay stubs, or W2s.

Tell us a little about your deal and we’ll send you a personalized term sheet—no obligation, no hard credit pull.

Request Loan Terms

DSCR / Landlord Program

At RS Capital, we provide flexible DSCR Rental & Landlord Loans designed for investors who want to scale their rental portfolios without the hassle of traditional income verification. Our Debt Service Coverage Ratio (DSCR) loans allow you to qualify based on property income, not personal income, making it easier to grow your investments and maximize cash flow.

  • Flexible Financing for Single Rentals & Portfolios
  • Short-Term & Long-Term Rental Friendly
  • Up to 80% Cash Out Available – Even on Unleased or Vacant Properties

Program Highlights

  • Loan amounts from $55,000 – $3,000,000
  • Financing options: 15, 30, and 40 Year Fixed, ARMs, & Interest-Only Available
  • Up to 80% cash out available
  • No escrow options available
  • No DSCR minimum required
  • Vacant properties OK
  • Short term rentals OK
  • Credit score: 620 minimum
  • Non-owner occupied
  • Purchase, rate and term, and cash out options available
  • Property types: 1-4 Unit Single-Family Homes, Condos, Townhomes, Multifamily
  • Portfolio or single asset loans
Request Loan Terms

If you’re looking to strengthen cash flow and create long-term stability across your portfolio, this program may be an excellent fit.

We’d be happy to review your scenario and determine the best structure for your goals.