Your Rental Property Qualifies.
Your Paycheck Doesn’t Have To.
DSCR loans let the property do the work. No tax returns, no pay stubs, no employer verification — just the property’s cash flow. Now with enhanced LTVs up to 85% and 80% cash-out on short-term and long-term rentals.
We Just Made DSCR Lending More Powerful
Higher LTVs, better cash-out terms, and expanded STR access — here’s what changed and why it matters for your investment strategy.
80% Cash-Out Now Available
Pull more equity on your cash-out refi. New maximum is 80% LTV with a 720 FICO and minimum 1.0 DSCR.
Short-Term Rental: 80% LTV
STR/Airbnb properties can now access 80% LTV with a 720 FICO and 1.0 DSCR — higher leverage for your vacation rental portfolio.
Sub-0.80 DSCR: Up to 75% LTV
Even when the property’s cash flow is below 80% coverage, you can now access up to 75% LTV — expanded access for transitional or value-add properties.
Instant Rental AVM at Prequal
Industry-first: get data-backed rental income estimates before the 1007 appraisal. Know your number from day one — move faster, close with certainty.
Two Programs. Every Investor Scenario.
Whether you’re buying your first rental, expanding a portfolio, or tapping equity without refinancing — there’s a program built for your move.
- No personal income or employment verification required
- Short-term & long-term rentals; Airbnb/VRBO eligible
- Warrantable, non-warrantable condos & condo hotels
- Interest-only payments available
- LLC, S-corp, C-corp, or revocable trust vesting
- Gift funds accepted · Up to 6% seller concessions
- Permanent & non-permanent residents eligible
- 1007 Waiver: Automated rental AVM (75% max LTV, 1-unit)
- AirDNA analysis for short-term rental income
- Up to 5 loans with this lender; exceptions available
- No limit on total financed properties owned
- First-time homebuyers (FTHB) not eligible
- No income or employment verification required
- Qualify solely on rental property cash flow
- Long-term rental investment properties only
- Warrantable condos eligible; non-warrantable excluded
- Minimum 2 years managing income-producing properties
- Full appraisal required
- No restrictions on how funds are used
- Lump-sum payment at close — no revolving draws
- Investment properties only; no primary residences
Best for: Investors who want to access rental property equity for renovations, portfolio expansion, or other opportunities without disturbing a favorable first mortgage rate.
Know Exactly Where You Stand
Find your FICO tier and transaction type to see the maximum LTV available. New enhanced LTVs are marked.
| FICO Score | Transaction Type | Max LTV | DSCR Requirement | Notes |
|---|---|---|---|---|
| 720+ | Purchase | 85% | Any (incl. <1.0 or none) | Best available LTV; interest-only eligible |
| 720+ NEW | Cash-Out Refinance | 80% | Min 1.0 DSCR | Enhanced from prior 75% max at 700 FICO |
| 720+ NEW | Short-Term Rental | 80% | Min 1.0 DSCR | AirDNA analysis used for STR income; enhanced from 75% |
| 700 | Purchase / Refi | 80% | Any eligible | Cash-out max previously 75% at this FICO (still available) |
| 700 | Short-Term Rental | 75% | Any eligible | Prior STR max; still available |
| 680 | Purchase / Refi | 75% | Any eligible | Min FICO for Investor Cash Flow program |
| 680+ NEW | DSCR < 0.80 | 75% | Below 0.80 | Enhanced from prior 70% max — better access for value-add |
| 720 / 700 | DSCR 2nd Lien | 75% / 70% CLTV | Min 1.2 required | Long-term rentals + warrantable condos only |
LTV tiers listed are maximums and may vary by property type, occupancy, and lender. Call us to confirm your exact eligibility before you commit to a purchase contract.
Does Your Property Cash Flow?
Enter your property’s rental income and estimated monthly costs. We’ll calculate your DSCR and tell you which program tiers you qualify for — instantly.
📞 Run a Real Scenario — 407-630-9766Eligibility check is a general guide only. Final program determination depends on full file review, property type, and lender guidelines.
Common Investor Questions
The questions I get most from rental property investors — answered straight, without the runaround.
Get My Investor QuoteReady to Run Your Real Numbers?
Whether you’re buying your first rental or accessing equity on your fifth — the process starts with a conversation. Tell me what you’re working with and I’ll show you exactly where you stand before you commit to anything.