Real Estate Investment Funding
Finance Your Next Rental Property Based on What It Earns — Not What You Make
We connect real estate investors with DSCR lenders who qualify your loan based on the property's rental income — not your personal finances. Single-family, multi-family, and short-term rentals welcome
Real Estate Investment Funding
Finance Your Next Rental Property Based on What It Earns — Not What You Make
We connect real estate investors with DSCR lenders who qualify your loan based on the property's rental income — not your personal finances. Single-family, multi-family, and short-term rentals welcome
WHO THIS IS FOR
If Any of These Sound Like You, DSCR Financing Was Built for You
Traditional lenders look at your W2s, your tax returns, and your debt-to-income ratio. If you're self-employed, a portfolio investor, or someone who writes off income aggressively — that system was never designed to serve you. DSCR lending flips the model entirely. The property qualifies the loan, not you.
WHO THIS IS FOR:
- You're self-employed or own a business and your personal income looks low on paper
- You've maxed out conventional loan limits and need a different path to scale your portfolio
- You want to buy in your LLC to protect your personal assets
- You're buying or refinancing a short-term rental (Airbnb, VRBO) that won't qualify under conventional guidelines
- You want to refinance out of hard money or a high-rate bridge loan
- You're a first-time rental investor who wants to qualify based on the deal, not your W2
WHAT IS A DSCR LOAN
What Is a DSCR Loan? (And Why Investors Love Them)
DSCR stands for Debt Service Coverage Ratio. It's a number that compares what a property earns in rent to what it costs to finance it. If the rent covers the mortgage — or comes close — you qualify. That's it.
No digging through two years of tax returns. No employer verification calls. No explaining why your income looks the way it does. The property does the talking.
Property rents for $2,500/month. Monthly mortgage payment is $2,000. DSCR = 1.25. You qualify. Simple.
HOW IT WORKS
Three Steps to Your DSCR Pre-Qualification
No cost to check eligibility. No obligation. No credit pull until you're ready to move forward.
USE CASES
What Real Estate Investors Use DSCR Loans For
Buying long-term rental properties (single-family, 2–4 unit, multifamily) in an LLC
Financing short-term rentals — Airbnb and VRBO properties are eligible
Cash-out refinancing to pull equity from existing rentals and fund your next deal
Refinancing out of hard money or bridge loans into longer-term stable financing
Scaling a portfolio past the conventional 10-loan limit
First-time rental investors who want the deal to do the qualifying — not their day job income
Investor Stories
Deals We've Helped Close
I had been turned down by three traditional lenders because I write off too much through my business. FundMyProperty found me a DSCR lender who looked at my rental income instead. We closed in 18 days.
M.R.
DSCR Loan · Rental Portfolio · Florida
I needed to close in my LLC and my bank said it wasn't possible under their guidelines. Through FundMyProperty I had three DSCR options within 48 hours. Closed 30 days later.
D.K.
DSCR Loan · LLC Close · Texas
Free Eligibility Check
Check Your DSCR Eligibility — Free, No Credit Pull
Tell us about your deal and a lending specialist will contact you within 1 business day.
faq's
Frequently Asked Questions
Most DSCR lenders work with credit scores as low as 620–640. Some programs go lower depending on the deal. We'll match you with the lender best suited to your profile.
Yes. Many of our lender partners accept short-term rental income — either based on actual rental history or market STR data (AirDNA comps). Submit your deal and we'll identify which lenders are the best fit.
DSCR loans typically close in 21–30 days once your file is complete. Some lenders can close faster for clean, straightforward deals.
We work with lenders who cover most U.S. states. Submit your deal and we'll confirm availability in your market.
Most programs start at $75,000–$100,000 on the low end and go up to $3–5 million or more depending on the lender and deal type.
Yes — DSCR loans are specifically designed to allow investors to take title and close in an LLC, LP, or other entity structure. This is one of the primary advantages over conventional financing.
None. Submitting your information is completely free and there is no credit pull at this stage. A specialist will reach out to walk you through your options.
Some lenders offer no-ratio or low-DSCR programs for investors with strong assets or other compensating factors. Submit your deal and we'll tell you what options exist for your situation.
Ready to Move?
Ready to Finance Your Next Rental Property Without the Bank Runaround?
Submit your deal information below. No credit pull. No cost. No obligation. We'll match you with the right DSCR lender and have a specialist reach out within 1 business day to walk you through your options.