Single Property DSCR Loans
Rates Starting At
5.9%*
Longhorn Makes Term Loans Easy
Reliable long-term rental financing for investors. No tax returns. Just cash flow.
Apply NowDSCR Loan Highlights
- Loan Amount: $75K – $2MM
- Max LTV: Up to 80% Rate-Term / 75% Cash-Out
- Min DSCR: No Ratio
- Term: 30 years
- Entity Required: No
- Credit Score: 660+
30-Year Fixed & Hybrid ARM
Flexible terms with up to 10 years of interest-only payments.
No Ratio
Min DSCR.
Individual or Entity Borrowing
Available for individuals, LLCs, and corporations.
Program Highlights
660+
Minimum FICO
No Ratio
Min DSCR
Up to 80%
Rate & Term
Loan Purpose
Rate/Term, or Cash-Out
Property Types
SFR, 2–4 Units, Condos, Townhomes
Loan Amounts
$75K – $2MM
Foreign Nationals
Allowed up to 65% LTV
Seasoning
90 days for appraised value
Term
30 Years – Fixed or Hybrid ARM
Final terms based on credit & property review.
How It Works
- Step 1: Sign up via our DSCR application portal
- Step 2: Submit entity docs, bank statements, and mortgage balances
- Step 3: Get funded fast by our processing team
DSCR Loan FAQs
- What is a DSCR loan?
A Debt Service Coverage Ratio loan evaluates your rental income compared to expenses to determine eligibility.
- Do I need to show personal income?
No, DSCR loans are underwritten based on property cash flow, not personal income.
- What credit score is required?
Minimum FICO 660; potentially as low as 640 with reduced leverage.
- Can I qualify if the property is vacant?
Yes, rental estimates are used when leases are not in place.
- What documents are needed?
Entity docs, bank statements, property address and mortgage balances. Longhorn borrowers may need fewer documents.
