DSCR Long Term Rentals
We offer DSCR long-term rental loans across 35 states in the U.S., designed specifically for real estate investors seeking fast and reliable financing. With up to 80% LTV, interest rates starting at 6.25%, and closings in as little as 21–25 days, our process is built on service, efficiency, and a people-first approach—helping you scale your rental portfolio with confidence.
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Quick Highlights
30 Year DSCR Loans in 35 States
Interest rate
Starting at 6.25%
Origination Fee
From 0%
Minimum FICO
660
Minimum DSCR
1.0
Term
30-YR
Minumum Loan Amount
$100,000
Why Choose Investors Mortgage Group For Your DSCR Loan
Quick Funding
Get fast, reliable financing to seize opportunities with unmatched speed.
Maximum Leverage
Maximize your real estate portfolio effortlessly with higher leverage.
Unmatched Flexibility
Enjoy tailored loans that flexibly adapt to your needs and goals.
Investment Property Loan Products
DSCR Loan Program Long Term Rental
Perfect for first-time investors or experienced investors scaling their rental portfolio.
Up to 80% LTV for Purchases and Rate & Term Refinances
Up to 75% LTV for Cash Out Refinances
Interest Rates from 6.25% to 7.99%
Origination Fee from 0%
DSCR > 1.0
Loan Size: $55,000 to $2,000,000
Closing in as little as 21 days
Credit Score of 660+ Required
No Experience Required
See Our Complete Guide To DSCR Loans
Learn More
DSCR Loan Program Short Term Rental
Designed for investors pursuing higher rents with a short term rental strategy.
Up to 80% TV for Purchases and Rate & Term Refinances
Up to 75% LTV for Cash Out Refinances
Interest Rates from 6.5% to 7.99%
Origination Fee from 0%
DSCR > 1.0
Closing in as little as 21 days
Loan Size: $125,000 to $2,000,000
Credit Score of 700+ Required
Borrower Required to have 1 Personal
Mortgage OR 1 Other Rental Property
See our Airbnb Loans Guide
Learn More
DSCR Loan Program 5-10 Unit Multifamily
For experienced investors only, looking to pursue larger multifamily rental property deals.
Up to 75% LTV for Purchases and Rate & Term Refinances
Up to 70% LTV for Cash Out Refinances
Interest Rates from 7.0% to 7.99%
Origination Fee from 1.0%
DSCR > 1.15
Closing in as little as 30 days
Loan Size: $350,000 - $2,500,000
Credit Score of 700+ Required
Borrower Required to have 1 Other 5 Unit
Multifamily OR 2 Other 2-4 Unit
Learn More
Frequently Asked Questions
Why choose Investors Mortgage Group for your DSCR loan?
Investors Mortgage Group specializes exclusively in investor-focused financing, offering DSCR loans across 35 states with competitive rates, flexible terms, and fast closings. With over 200 funded loans, $80M+ in loan volume, and a strong reputation for service and efficiency, we make the lending process simple and reliable for real estate investors.
Can I close a DSCR loan in an LLC?
Yes. DSCR loans can be closed in either a personal name or an LLC. If closing in an LLC, standard entity documents such as Articles of Formation, EIN, and Operating Agreement will be required.
Does the property need to be rented for DSCR cash-out refinances?
Not necessarily. Vacant properties are allowed for both purchases and refinances, as long as the property is rent-ready and meets DSCR requirements based on market rent.
Can I use a DSCR loan if the property needs renovations?
DSCR loans are designed for rent-ready properties. If the property requires major renovations, a Fix and Flip or Construction Loan may be a better fit. Minor cosmetic updates are typically acceptable.
What closing costs are associated with a DSCR loan?
Closing costs may include appraisal fees, title and escrow fees, insurance, and origination fees (which can be as low as 0%). Exact costs will vary based on loan size, property type, and location.
What are the advantages and disadvantages of DSCR loans?
DSCR loans offer flexible qualification based on property income rather than personal income, faster closings, and LLC eligibility. However, interest rates may be higher than conventional loans, and DSCR minimums must be met.
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Sat – Sun: Closed
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