DSCR Rental Loans for Real Estate Investors

Cash-Flow Based Rental Property Financing

Investor MultiFamily Capital provides DSCR loans for rental property investors nationwide.

A DSCR loan (Debt Service Coverage Ratio loan) qualifies the property primarily based on rental income rather than personal income. Approval is driven by property performance, rent strength, leverage, and investor profile.

Designed for investors purchasing or refinancing non-owner occupied rental property.

How DSCR Loans Work

Instead of relying on W-2 income or tax returns, DSCR financing evaluates:

• Market rent or in-place rent
• Property operating income
• Debt service coverage
• Loan-to-value
• Investor experience

If the property cash flows, execution is straightforward.

For experienced investors, flexible structures may be available even when a property is in lease-up, repositioning, or not yet stabilized.

Eligible Property Types

• Single family rental homes
• 2–8 unit residential properties
• Townhomes
• Warrantable condos
• Rental portfolios

Purchase and refinance options available.

Program Highlights

• Loan amounts from $75,000 to $2,000,000+
• Up to 80% LTV purchase
• Up to 75% cash-out refinance
• 30-year fixed, interest-only, and ARM options
• Standard and flexible DSCR structures available

Built for Real Operators

We work with:

• Stabilized rentals
• Lease-up properties
• Light repositioning deals
• Portfolio expansions
• Investors scaling beyond conventional limits

If the property does not fully cash flow today but the deal makes sense, we evaluate structure, reserves, leverage, and operator strength.

Why Investors Use IMC

• Fast underwriting
• Direct lender and broker execution
• Access to multiple DSCR outlets
• Structured solutions, not one-box approvals
• Built for repeat investors