DSCR Loans Made Simple:
Debt Service Cost Ratio - - Sounds fancy and complicated however, it’s pretty simply math! DSCR is one of the main factors in our underwriting and approval methods.
DSCR = Cash flow! We simply use the total MONTHLY income divided by the total fixed expenses of a rental investment property for rent. The higher the DSCR = the better the positive cash flow = better loan terms we can offer.
How to Calculate our DSCR Loan:
Total Renal Income: $1,200
Monthly Taxes: $100
Monthly Insurance: $50
Monthly Mortgage Payment: $700
Home Owners Association (HOA): $0
Total Expenses: $850
DSCR = 1.41
We can finance down to a .75% DSCR however, as stated the higher the DSCR the better the terms.
Our DSCR Program
- 1-4 Unit Single Family Residences (SFR’s) – Townhouses, Condominiums, & 5+ Apartment Buildings
- Entity Financing Such as LLC, Scorp, Ccorps, LP’s, Land Trusts are Common
- Up to 75% Cash out – 80% Purchase Loan to Values (LTV’s)
- Competitive 10 to 30 Year Fixed Rates
- Approval based upon the cash flow of a rental property – NOT you personally
- NEVER required - tax or personal income documents
- NO Limits on the amount of Property Owned
- NO Personal Debt to Income Ratios – (DTI’s)
- Single Property or Blanket Financing Available
DSCR Financing Made Simple
- Less Underwriting = Faster Turn Times and Quicker Closings
- Close in Approximately 10 Days After Appraisal Arrival and File Submission
- NO Personal Income/Job history Verification Required - EVER
- NO Limits to Amount of Cash Out
- Low Down Payments
- Partner Buyouts – 30 year Amortization and Interest Only Options
- Long Term & Short Term Rental Properties Qualify
- No maximum number of properties
The Largest DSCR Lender
Let’s take the first step together!
You can call us right now or click the button and see what we're all about! You can often tell within minutes if someone you are talking with is a rookie hire or an experienced professional who quickly understands the basic goals of your transaction. We deliver the best overall value in the industry.
Come explore how our tailored financing solutions can make your real estate goals a reality. Rental Home Loan LLC is ready to be your partner in creating a strong and prosperous future with rental property investments.
Your Partner in Residential Blanket Lending
As more than a leading U.S. rental home mortgage lender, Rental Home Loan LLC is your dedicated partner in building long-term wealth and generating sustainable cash flow. We prioritize your financial success, tailoring our strategies to help you achieve lasting growth with confidence. Reach out today and discover a refreshing, client-centered approach to financing that puts your investment goals first.
Trust our experienced team of officers to consult you on your financing needs. We will often suggest financial structuring advice not available with other competitors. Never an upfront fee, we will provide a SOFT QUOTE without a credit pull and minimum information. There is nothing to lose by speaking with us today, call now at 877-727-7030 or Apply Online for a quick approval.
Your Rental Home Loan Partners
30 N GOULD ST STE N, SHERIDAN, WY 82801
Rental Home Loan LLC
At Rental Home Loan LLC, we’re here to help you turn your real estate investment dreams into reality. Whether you’re looking for rental home investment loans, cash-out refinance options for investment properties, or commercial blanket loans tailored to your goals, we’ve got you covered. As experts in DSCR loans, we’re proud to provide these loans across most of the United States.
When you're ready to take the next step toward securing a mortgage for your rental property, our friendly and experienced team is ready to assist you every step of the way. Let’s make your investment journey smooth and successful! Apply now for a quick approval.