DSCR Loans: Income-Based, Long-Term Financing
Lending solutions driven by your property's cash flow
— not your personal income.
DSCR loans are designed for investors focused on acquiring or refinancing income-generating properties. Approval is based primarily on the property's cash flow, rather than the borrower's personal income, making these loans an excellent option for expanding real estate portfolios or funding projects with strong, sustainable cash flow.
Tailored Financing for Income-Producing Real Estate
Investment
Portfolios
Ideal for investors managing multiple income-producing properties.
Positive
Cash Flow
Perfect for projects where rental income reliably covers debt obligations.
Streamlined
Qualification
WHO BENEFITS FROM DSCR LOAN
Focuses on the property's performance rather than personal financials, making approval faster and more accessible.
• Property Type:
Single-family homes, multifamily properties, townhomes, planned unit developments (PUDs), and condominiums.
• Loan Amounts: From $125,000 up to $2,500,000.
• Loan Term:
30-year options available, with both fixed and adjustable rates.
• Loan-to-Value (LTV):
Up to 80% for purchases
Up to 75% for refinancing
Up to 70% for cash-out transactions
• Interest Rate: Starting at 6.875%.
• Closing Timeline: Typically between 45 to 60 days.
• Eligibility: Foreign nationals are welcome to apply.
Offering long-term financing and approvals based on property cash flow, our DSCR loans provide the stability and flexibility investors need to grow profitable, sustainable portfolios.
KEY FEATURES
Flexible Solutions and Competitive
Rates for Real Estate Investors
Fast, Flexible Financing for Your Real Estate Projects
Unlock tailored financial solutions for property acquisition, renovation, and development with Rhino Capital.
Apply for Financing
Complete our simple online application with ease.
Rapid Approval
Receive approval for your property investment financing within 7 days.
Quick Access to Funds
Secure funds promptly for your acquisition, renovation, or development needs.
Application Requirements
What You’ll Need to Apply
Income Requirements:
Rental income must meet a minimum DSCR ratio of 1:10.
Bank Statements:
Most recent 3 months of bank statements.
Identification:
Valid government-issued ID, passport, and U.S. visa for foreign nationals.
Entity Documents:
LLC or Corporation documents, including EIN and Operating Agreement.
HOA Documentation:
Required for condominium properties.
Liquidity/Reserves:
Proof of 6 months’ worth of liquidity or cash reserves.
Occupancy Certification:
Certification confirming non-owner occupancy.
SSN:
Required for credit report and background check.
Insurance Evidence:
Evidence of full replacement insurance with $500,000 liability coverage, and builder’s risk insurance if applicable.
Credit Score:
Minimum FICO score of 700.
Loan Application:
Completed and signed application form.
Foreign Nationals:
Assets must be sourced and seasoned for at least 60 days in a U.S. FDIC-insured bank.
FAQ's
A loan assessed primarily on the property's debt service coverage ratio (DSCR), rather than the borrower's personal income.
No, approval is based entirely on the property's cash flow, not the borrower's personal income.
Loans are available up to $2,500,000, with larger amounts considered on a case-by-case basis.
Yes, prepayment penalties apply but decline progressively over the first five years.