Products

DSCR Loans

Qualify on your property's rental income — not tax returns. Up to 80% LTV, no hard credit pull, and Foreign Nationals welcomed.

Get a Quick Quote
OneOrbit mascot holding a house

Rates & Terms

DSCR Loan Rates + Terms

We qualify you on the property's rental income — not your tax returns — so you can size up a deal with the full picture in front of you.

See Your Rate

Rates starting at

6%+

Up to 80%

LTV — purchases, cash out & rate/term refinance

30–40 year terms

No hard credit pull

Available

Foreign Nationals

welcomed

Close in 30 days

business days

Ask About Our Cash-Out Refinance Options

Lending Areas

Nationwide

All states except North Dakota (ND) and South Dakota (SD)

How DSCR Loans Work

DSCR stands for Debt Service Coverage Ratio. It compares rental income to the total mortgage payment. Above 1.0 means the property cash flows — and qualifies.

The Formula

DSCR = Rental Income ÷ Mortgage Payment