Finance around the property
Current or projected rent helps determine how the property supports the loan.
DSCR loans for real estate investors
Use rental income to finance your next move
Buy a rental, refinance a property you own, or access equity for your next opportunity. DSCR financing focuses on the property's cash flow instead of W-2 income.
- Qualification based on property cash flow
- Purchase, refinance, or cash out
- Long-term and short-term rentals
Built for investorsNon-owner-occupied real estate
Purchase or refinanceIncluding property you already own
Start with the dealOne straightforward financing request
Put your equity to work
Refinance an existing loan or explore cash-out options for another investment.
Choose the rental strategy
Programs may be available for long-term rentals, short-term rentals, and eligible multifamily properties.
A simple process
Tell us about the deal. We will help with the financing path.
- 01
Share the opportunity
Tell us what you are financing, where the property is, and when you need to close.
- 02
Explore relevant loan options
We compare the request with available programs and identify the details needed to move forward.
- 03
Work toward closing
When there is a potential fit, we help you complete the application and prepare the financing package.
See My Financing Options
Plan on about two minutes for the initial request.
Common questions
Get answers before you start
You do not need every number finalized. Start with what you know about the property and the plan.
Can I refinance a rental property I already own?
Yes. DSCR financing can be used for a rate-and-term refinance or a cash-out refinance on an eligible rental property.
Do I need W-2 income to qualify?
DSCR programs focus primarily on the property's rental income and proposed debt payment. Final qualification also depends on the property, borrower profile, and lender guidelines.
Is this a personal mortgage?
No. SwiftPath Capital handles business-purpose financing for non-owner-occupied investment properties only.
Have a deal in mind?
Find a financing path built around the property
Start with a short request for your non-owner-occupied investment.