DSCR Program

DSCR Loans for Rental Property Investors

Constructive Capital provides DSCR Rental options for your investors on SFRs, 2-4 units, condos, and 5-8 unit properties. Qualify based on the property cash flow.

FAQ

DSCR Rental — frequently asked.

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is a long-term rental loan qualified on the property's cash flow rather than the borrower's personal income. It's built for buy-and-hold investors financing income-producing residential real estate.

How is DSCR calculated?

DSCR is the property's monthly rent divided by its PITIA (Principal, Interest, Taxes, Insurance, and Association dues). A ratio of 1.0x means rent exactly covers the payment.

What's the minimum DSCR ratio?

Programs are available from a 0.75x DSCR ratio with reduced LTV. Coverage of 1.0x or higher unlocks full pricing.

Do you verify my personal income?

No. DSCR Rental requires no personal income verification — no tax returns and no DTI calculation on the sponsor. Qualification is based on the property's cash flow.

Can I refinance with a DSCR loan?

Yes. Rate-and-term refinances are eligible up to 80% LTV and cash-out refinances up to 75% LTV, alongside purchase financing.

What terms are available?

30-year fixed and 5/6 ARM structures, with interest-only available on qualifying scenarios.