DSCR Rental Loans

Long-Term Financing Built Around the Property’s Rental Income

ACP Real Estate Lending helps investors purchase, refinance, and cash out income-producing rental properties. Qualification is primarily based on the property’s debt-service coverage ratio (DSCR)—its ability to generate enough rental income to support the proposed mortgage payment—rather than traditional personal-income documentation.

Program Highlights

• 30-year fully amortizing loan options
• Purchase, rate-and-term refinance, and cash-out refinance programs
• Qualification centered on property cash flow and DSCR
• Competitive leverage—commonly up to 75%–80% LTV, subject to the transaction and borrower profile
• Single-family rentals, 2–4 unit properties, and other qualifying residential investment properties
• Closings targeted within 20 business days after receipt of a complete file

What We Review

Every transaction is evaluated individually. Typical underwriting considers the property’s market rent, taxes, insurance, association dues, proposed loan payment, appraised value, borrower credit, liquidity, and experience. Many programs generally require a minimum credit score in the 660–680 range and a DSCR of approximately 1.10–1.25, although available terms vary by program.

Eligible Transactions

Finance a new rental-property purchase, refinance existing debt, move a completed renovation into permanent financing, or access equity through a qualifying cash-out refinance. Loans are for non-owner-occupied investment properties and generally close in a business entity.