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Strategic Capital Solutions Investment Financing

DSCR Loans for Real Estate Investors

Finance your next investment property based on cash flow - not personal income.

Funderial connects real estate investors with competitive DSCR loan options designed to help you scale your portfolio faster, without the traditional income verification hurdles.

What is DSCR Loan?

A DSCR (Debt Service Coverage Ratio) loan is a type of real estate investment loan that
qualifies borrowers based on the income generated by the property—rather than personal
income or tax returns.

Instead of focusing on your personal financials, lenders evaluate whether the rental income
from the property is sufficient to cover the loan payments.

This makes DSCR loans an ideal solution for real estate investors, especially those with
multiple properties or complex income structures.

Funderial Finanding Partner

Why Investors Choose DSCR Loans

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No personal income verification required
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Qualify based on property cash flow
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Ideal for LLCs and real estate investors
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Scalable financing for growing portfolios
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Faster and more flexible approval process
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Works well for short-term rentals and long-term rentals

Who This is For

DSCR loans are designed for:

Time in Business
Real estate investors acquiring rental properties
Time in Business
Borrowers purchasing or refinancing income-producing properties
Time in Business
Investors who prefer not to use tax returns or W-2 income
Time in Business
Business owners with write-offs that reduce taxable income
Time in Business
Clients scaling portfolios across multiple properties
Check your Eligibility

Typical Loan Features

Competitive terms tailored to your investment strategy

$100,000 to $5,000,000+

Single-family, multi-family, condos, short-term rentals

30-year fixed and interest-only options available

Typically 1.0x and above (varies by lender)

Individuals and LLCs

Purchase and refinance options available

How the Process Works

A simple, transparent 3-step process to get your funding.

1

Submit Details

Submit your basic property and investment details

2

Review Options

We match you with DSCR loan options from our network

3

Select Offer

Review terms and select the best fit

4

Close Loan

Move to underwriting and closing with lender

Our team helps guide you through the process while ensuring you’re getting competitive terms tailored to your investment strategy.

Why work with Funderial

Funderial is a trusted marketplace for business and real estate financing, helping clients access a wide range of competitive funding solutions.

Through our network of lending partners—including specialists in DSCR and investment property loans—we help you:

  • shield Checkmark Compare multiple financing options
  • shield Checkmark Secure competitive rates and structures
  • shield Checkmark Navigate the process with experienced professionals
  • shield Checkmark Access funding solutions up to $5 million

We take a white-glove approach to ensure every deal is structured properly and aligned with your long-term goals.

Explore Your DSCR Loan Options

Whether you’re acquiring your first rental property or expanding a large portfolio, our team can help you find the right financing solution. Submit your information to get matched with DSCR loan options today.

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