DSCR Loans | CapitalFlow Solution
Fund Rental Properties Without Tax Returns
CapitalFlow Solution offers DSCR (Debt-Service Coverage Ratio) Loans tailored for real estate investors who want to grow their rental portfolios without the hassle of personal income verification. With our DSCR loans, your approval is based on the property’s income — not your job, tax returns, or W-2s.
Whether you’re scaling a short-term rental business or acquiring long-term rentals, DSCR loans provide a reliable, low-doc path to funding. Available in 42 states.
What Is a DSCR Loan?
A DSCR loan is a type of asset-based financing that qualifies borrowers based on the property’s cash flow rather than personal income. Lenders use the Debt-Service Coverage Ratio to evaluate whether the property's rental income is enough to cover its debt payments.
- DSCR = Net Operating Income / Debt Payments
- A DSCR of 1.0 or higher generally qualifies
If the rent covers the mortgage, you’re good to go.
Why Choose CapitalFlow for DSCR Loans?
- No W-2s, Pay Stubs, or Tax Returns
- Based on Property Cash Flow (DSCR ≥ 1.0)
- Loans from $100K to $2.5M
- Interest-Only or Fully Amortizing Options
- Fixed or ARM Terms Available
- Close in 14–21 Days
We make long-term rental funding simple, fast, and accessible.
Who Is This Loan For?
- Buy-and-hold investors
- Airbnb and short-term rental owners
- Landlords with 1–50+ doors
- Out-of-state investors
- Real estate entrepreneurs using LLCs or Corps
If you’ve got a cash-flowing property, we’ve got a funding option for it.
Use Cases
- Purchase of a new rental property
- Rate-and-term refinance
- Cash-out refinance
- Portfolio loans (multiple properties)
- Short-term rentals (Airbnb, VRBO, STR)
Key Loan Terms
| Feature | Details |
|---|---|
| Loan Amount | $100,000 – $2,500,000 |
| DSCR Requirement | Typically 1.0+ |
| LTV | Up to 80% |
| Loan Type | 30-Year Fixed or 5/1, 7/1 ARMs |
| Occupancy | Non-Owner Occupied (Investor Only) |
| Credit Score | 680+ Preferred |
| Prepay Penalty | Varies (typically 3–5 years) |
How the Process Works
Share Your Deal
We’ll review your rental property’s details and lease agreements.
Get a Custom Quote
Receive a rate and term offer based on your DSCR.
Close in 2–3 Weeks
After appraisal and title, we’ll fund — no income docs required.
Examples from Our Clients
Jacksonville, FL
$320,000
loan for Airbnb duplex. DSCR: 1.23
Nashville, TN
$575,000
cash-out refinance. DSCR: 1.15
Cleveland, OH
$245,000
portfolio loan (3 SFRs). DSCR: 1.31
FAQs About DSCR Loans
What if my DSCR is below 1.0?
We may still be able to structure a deal depending on credit score and reserves.
Can I buy a short-term rental with a DSCR loan?
Yes. We lend on Airbnb/STR properties — just show consistent income.
Can I use this loan to refinance?
Absolutely. Both cash-out and rate/term refis are available.
Do I need to be a full-time investor?
No — we work with part-timers, side hustlers, and seasoned pros alike.
Do you lend to LLCs or corporations?
Yes. We require title to be held in an LLC, Corp, or similar entity.
Cash-Flowing Properties Deserve Better Lending
With DSCR loans from CapitalFlow, you get long-term, low-doc rental property financing — without the paperwork headache. We move quickly so you can close with confidence.
