DSCR Rental Loans
Scale Your Rental Portfolio Without W-2 Constraints
Qualify on property cash flow, not personal income. 30-year fixed options available.
Rates from 5.5% | 30-Year Fixed Options | Entity Borrowing Allowed
See What You Qualify ForBacked by 15+ Vetted National Lenders
What is a DSCR Loan?
A Debt Service Coverage Ratio (DSCR) loan qualifies you based on the property's ability to generate income, not your personal tax returns or W-2s.
DSCR = Net Operating Income / Annual Debt Service
Typical approvals start around 1.0x–1.25x depending on LTV and credit.
If your rental property generates enough income to cover its mortgage payments, you can qualify — regardless of your personal income, number of properties, or self-employment status.
Why Investors Choose DSCR with SwiftPath
No Tax Returns Needed
Qualification focuses on the property, not your personal DTI or W-2 income.
30-Year Fixed Options
Lock in a rate for the long term. Predictable payments for your rental portfolio.
Entity Borrowing
Borrow in your LLC or corporation for asset protection and tax benefits.
LTR & STR Eligible
Long-term rentals and many short-term rentals (Airbnb) are eligible.
Scale Without Limits
No cap on the number of properties. Grow your portfolio as fast as you want.
Cashout Refinance
Pull equity from existing rentals to fund your next acquisition.
"I've used SwiftPath for three BRRRR deals now. The DSCR loan process was smoother than anything I've experienced with traditional lenders. They actually understand investors."
Andre T. — BRRRR Investor, FL
How It Works
Share Your Property Details
Address, expected rent, purchase price or current value.
Get Pre-Qualified
We run the DSCR calculation and provide a transparent term sheet.
Close & Collect Rent
Fast closing, 30-year terms, and predictable cash flow.
Get Pre-Qualified for a DSCR Loan
60 seconds. No credit impact. No obligation.