Purpose

Long-term financing for rental properties where approvals are based primarily on Debt Service Coverage Ratio (DSCR)—the property’s ability to cover its debt from rents—not W-2 income.

Structure Overview

• Eligible assets: SFR and 2–4 units; many markets also allow approved STR (short-term rental) use.
• Terms: fixed or ARM; up to 30-year amortization typical in market.
• Use cases: purchase, rate/term refi, cash-out for scaling your portfolio.

Ideal Scenarios

• Stabilized rentals with strong market rents and clean operating statements.
• BRRR investors exiting bridge/rehab into permanent cash-flow debt.
• What we evaluate
• Market rent analysis (often DSCR ≥ 1.0–1.2+ depending on product), property condition, reserves, and borrower track record.