DSCR loans for rental investors
DSCR pricing moves with the property's rent coverage, your down payment, and credit, so a generic rate board would be fiction. We price your actual deal across our DSCR lenders and show you the spread, usually the same day.
Price my rentalQualify on the property's rental income instead of your personal tax returns, priced across multiple DSCR lenders.
- Qualify on the property's rent
- LLC vesting welcome
- Purchase or refinance
Why HomePilot
DSCR loans, the wholesale way.
The property qualifies, not your W-2
DSCR compares the market rent to the full housing payment. Cover it and the deal stands on its own, with no personal income documentation on standard files.
Close in your LLC
Vesting in an entity is normal here, not an exception. Asset protection strategy stays intact from day one.
DSCR lenders actually compete
Coverage tiers, prepay structures, and pricing differ meaningfully between DSCR lenders. We shop the same deal across several and show you the spread.
$0 lender fees
Investor loans attract junk fees like moths. Our lender fee line is zero: no origination, processing, or underwriting charges from us.
Portfolio-friendly
Financed-property counts that block conventional loans usually don't block DSCR. Growing a rental portfolio is the intended use, not an edge case.
Purchase or refinance
Buy the next door, refinance one you own, or pull equity to redeploy. Rate-and-term and cash-out structures both exist on DSCR.
How people use it
Three ways this plays out.
Scaling past conventional limits
When financed-property counts or DTI math wall you off from conventional, DSCR keeps the acquisitions going, qualified deal by deal on rent coverage.
Strong rent, complicated personal income
The property carries the file. Your write-offs, entities, and W-2 status stay out of the underwrite on standard DSCR programs.
BRRR-style refinances
Stabilize the rental, then refinance on its new value and rent. We line up the DSCR takeout so your capital recycles into the next deal.
The $500 Best Price Guarantee
Cash flow is the whole game. Don't leave basis points on the table before the tenant even moves in.
If we can't beat your combination of interest rate, lender fees, and monthly mortgage insurance on an eligible offer, we'll pay you $500 after you close with the other lender.
Eligible offers, terms apply. Read the full terms
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Price my rental