Fast DSCR loans for your next buy or refinance.

Borrow from $150,000 to $3,000,000+. Loans
qualified on property cash flow, not personal
income.

Get my rate

Trusted by over 100K AmericansTrusted by over 100,000 Americans and counting

Cash as fast as 14 days

Streamlined approvals built for faster closing on your
next deal.

Rates starting at 5.875%

Competitive investor pricing across various property
types.

Purchase or refinance

85% LTV on purchases, 80% LTV on cash-out
refinances.

$1B+

cash deployed

100K+

customers funded

50 States

trusted nationwide

Rates and loan amounts are estimates and may vary based on property cash flow, appraisal, title, and third-party requirements. All loans subject to underwriting approval. This is not a commitment to lend.

Rates & Terms

• Rates starting at 5.875% APR

• Interest-only options available

• 30 & 40 year terms available

• Up to 80% LTV (Refinance)

• Up to 85% LTV (Purchase)

• Close as fast as 14 days

How we get you funded

Tell us about the property

Let us know the property’s address,
purchase
price and expected rent.

We crunch the numbers

If the rent covers the mortgage, you’re in.
We
verify and send your rate.

Lock your rate

Happy with the terms?
Lock it in and we move
on to closing.

Close and collect rent

Sign the docs, get the keys
and
start earning.

*Closing timelines are estimates and may vary based on loan
complexity, appraisal, title, and third-party requirements.
All
loans subject to underwriting approval. This is not a
commitment to lend.

Equity at work

Marcus stopped chasing tax-return approvals and bought his first rental.

Started with

$240,000

Property value

$2,100/month

Market rent

1.50

DSCR ratio

Marcus earns through a mix of ride share and freelance gigs. His income is steady, but every traditional lender wanted two years of clean tax returns he couldn't produce. He found a single-family rental bringing in $2,100/mo against a monthly payment of $1,400. That's a 1.50 DSCR, easily qualifying.

TurboDSCR approved him on the property's numbers alone. No W-2s, no pay stubs, no personal income verification. He closed in 12 days, put 20% down, and locked a 6.250% fixed rate on a 30-year term. He's already saving for the next one.

Homeowner having coffee in a bright kitchen

Has now

$192,000

Loan amount

6.250% APR

30 year fixed rate

+$700/month

Positive cash flow

Get my rate

Plan Smarter

Know your numbers in seconds

Select a calculator to run the numbers and get an estimate of what’s possible with a DSCR loan.

Purchase price

Down payment 25%

Expected monthly rent

Monthly property taxes

Monthly insurance

Your DSCR Ratio

1.35

Your rental income covers the mortgage with 35% to spare: a qualifying deal.

Est. Monthly Payment

$2,069

Principal, interest, taxes, insurance.

Monthly Cash Flow

+$731

Rent minus payment.

$2,800 rent ÷ $2,069 PITI = 1.35

Start your application

Rate assumption: 6.5% · 30-year fixed. Your actual rate depends on credit, LTV and property type.

This calculator is for illustration only. Actual DSCR evaluation, rates, and qualification depend on full underwriting review including credit, property type, LTV, and other factors. Not a commitment to lend.

Any Questions?

What does DSCR stand for?

Debt-Service Coverage Ratio. It's calculated by dividing the property's monthly rental income by its monthly debt obligations (mortgage, taxes, insurance, HOA).

What’s a good DSCR?

We can go as low as a 0.75 DSCR ratio. A DSCR of 1.0 or higher means the property's income covers its expenses, and above 1.25 is considered strong.

Can I use projected rent for a new purchase?

Yes. For purchases, we can use market rent analysis or an appraisal to determine rental income potential.

What if my property doesn’t cash flow yet?

We evaluate each deal individually. We can work with DSCR ratios as low as 0.75, so even if your property doesn't fully cash flow, we may still be able to help depending on other factors like credit and down payment.

Can I get a DSCR loan for a property I live in?

No. DSCR loans are for investment properties only, not primary residences.

How many properties can I finance with DSCR loans?

There's no limit. Unlike conventional loans (which often cap at 4-10 properties), DSCR loans allow you to scale without hitting arbitrary property limits.

What type of properties qualify?

Single-family homes, 2-4 unit properties, 5+ multifamily, condos, townhomes, and even commercial properties. The property must be investment/rental property, not owner-occupied.

Can I use DSCR for short-term rentals (Airbnb)?

Yes. We accept short-term rental income with proper documentation. Talk to us about your specific situation.

How long does approval take?

DSCR loans typically close faster than traditional mortgages since there's less documentation. We can fund in as little as 14 days.