Rental & DSCR Funding

Where it fits

• Acquiring an investment house or small multifamily property to hold as a rental.
• Moving from acquisition or rehabilitation funding into a longer-term rental arrangement.
• Reviewing a rental portfolio or a specialized rental use that needs individual consideration.

How it comes together

1. We start with the property, rents, expenses and existing debt. Tell us whether the income is supported by current leases, operating history or a future rental estimate.
2. We consider the requested amount and how the proposed debt fits the property’s income. Borrower, property, reserves and other requirements depend on the funding option; DSCR does not mean automatic qualification.

What to share

• Property location and type, purchase price or current debt, and estimated value.
• Current or expected rent, occupancy, major operating costs and any work still needed.
• Funding amount, timing and whether you plan long-term, short-term, mid-term or another rental use.

Start with what you know. Our inquiry lets you use estimates and mark details you're still working out.

What to work through

• Income calculations vary by lender and property type. A residential DSCR calculation should not be assumed to match a commercial property’s operating-income analysis.
• Vacancy, insurance, taxes and maintenance affect the practical cost of holding the property. Rental-use restrictions, loan prepayment terms and remaining renovation work also matter.