DSCR Rental Loans

Long-Term Financing for Income-Producing Properties

A DSCR (Debt-Service Coverage Ratio) Rental Loan is an excellent long-term financing solution for real estate investors focused on building wealth through rental properties. Unlike traditional loans that rely heavily on a borrower’s personal income, DSCR loans are underwritten primarily based on the property’s cash flow, making them ideal for full-time and portfolio investors.

If you’re seeking low-rate, 30-year fixed or ARM financing for residential rental properties, ZipBuy CRE’s DSCR loan program is built to support your long-term goals—whether you’re holding one property or scaling a growing portfolio.

📊 What is a DSCR Loan?

DSCR loans are structured to assess a property’s ability to cover its debt obligations through rental income. Instead of looking at your personal Debt-to-Income (DTI) ratio, lenders focus on the Debt-Service Coverage Ratio—calculated by dividing the property’s monthly rental income by its monthly mortgage payment (P&I).

💡 If your property earns more than it costs to finance, you’re likely a strong candidate.

💼 Standard Loan Terms

• Maximum Loan Amount: Up to $2,000,000
• Loan-to-Value (LTV): Up to 75%
• Loan Term Options:
  • 30-Year Fixed
  • Adjustable Rate Mortgages (5/1 and 7/1 ARM)
• Payment Structure: Monthly principal & interest payments
• Prepayment Penalties: May apply (based on term and structure)

🏠 Eligible Property Types

ZipBuy CRE offers DSCR loans on the following residential investment properties:

• Single-Family Residences
• Townhouses
• Condominiums
• 2–4 Unit Properties (case-by-case approval, subject to board review)

📈 Ideal for Investors Who:

✅ Prefer long-term, passive income through rental properties
✅ Need financing without using personal income or tax returns
✅ Want to qualify based on rental performance of the property
✅ Are building or refinancing rental portfolios
✅ Value simple, scalable, low-doc loan options

🌟 Why Choose ZipBuy CRE for DSCR Loans?

• 🧮 Cash-Flow Based Underwriting – Focused on your property’s income
• 💼 Flexible Loan Structures – Fixed or ARM terms available
• 📉 No Tax Returns Required – Qualify without personal income documentation
• 📍 Nationwide Coverage – Invest anywhere in the U.S.
• 🔁 Refinance or Purchase – Options for new acquisitions or cash-out refinancing
• 🏡 Perfect for Portfolio Investors – Scale your investments with ease

📞 Finance Your Rental the Smart Way

Looking for long-term financing that’s built around your property’s performance? Let ZipBuy CRE structure a DSCR loan that helps you grow your rental income with confidence.