RS Capital's DSCR Loan Program lets buy-and-hold investors scale their rental portfolios without tax returns, pay stubs, or W2s. Loan amounts from $55K to $3M, up to 80% cash out, and terms built for long-term rental strategy.
Qualify based on the property's rental income, not your personal income — built for buy-and-hold investors scaling a portfolio.
Whether you own one rental or fifty, this program is structured around the property's income, not your paperwork.
A streamlined process built around the property, not a mountain of personal paperwork.
Quick online application — tell us about the property.
Same-day terms available, no hard credit pull.
Choose fixed, ARM, or interest-only structure.
Use cash-out proceeds to fund your next acquisition.
Licensed and actively funding DSCR rental loans in 46 states. Explore landlord financing in your city.
A DSCR (Debt-Service Coverage Ratio) loan qualifies you based on the property's rental income rather than your personal income — no tax returns, pay stubs, or W2s required.
No. DSCR loans qualify based on the property's income, so tax returns, pay stubs, and W2s are not required.
620 minimum credit score.
Yes. Vacant and unleased properties are eligible, including for cash-out refinances up to 80%.
Yes, short-term rentals are eligible under this program.
15, 30, and 40-year fixed terms, adjustable-rate mortgages (ARMs), and interest-only options are all available.
Tell us about your rental property and a loan advisor will follow up the same day — no cost, no obligation, no hard credit pull.
No obligation. A loan advisor replies same day.
Start My Application →Takes about 2 minutes. No cost, no obligation.