DSCR rental loans — qualify on the property, not your tax returns
TSG Capital arranges DSCR rental loans — long-term, business-purpose financing that qualifies on the property's cash flow (its debt-service coverage ratio) rather than your personal tax returns. These loans commonly fund up to roughly 75–80% LTV with 30-year terms, and lenders generally look for a DSCR at or above 1.0–1.25. As a broker, we place your rental across our full lender network with one application.
A DSCR loan is long-term rental financing that qualifies on the numbers of the property itself. DSCR — debt-service coverage ratio — is the property's monthly rent divided by its monthly debt service (principal, interest, taxes, insurance, and any HOA). A ratio of 1.0 means the rent exactly covers the payment; most lenders in our network want to see 1.0 to 1.25 or higher, and some will go below 1.0 with a larger down payment or reserves. The point is simple: because the loan is business-purpose and underwritten on cash flow, you do not have to document personal income with tax returns, W-2s, or pay stubs.
That makes DSCR loans the workhorse of the buy-and-hold investor — especially self-employed operators, investors with many properties who have maxed out conventional mortgage limits, and anyone whose tax returns understate their real ability to carry debt. Lenders typically lend up to roughly 75–80% of value on a purchase or rate-and-term refinance, with 30-year fixed and interest-only options, and cash-out is often available at slightly lower leverage. The property is held in an LLC, and the loan is made to the entity.
Rates and fees vary by DSCR, leverage, credit, and property type — we quote them as ranges, not a single guaranteed number. TSG Capital is a financing arranger: we take your rental (or a whole portfolio) to multiple DSCR lenders, compare structure and pricing, and bring back the term sheet that fits your hold strategy. One conversation, the whole market.
Typical terms
Figures below are typical ranges across our lender network — they are not a quote or a guarantee. Your actual terms depend on the lender, the deal, your experience, and the property's location.
Is this loan structure a fit?
| Best fit | Typical exit | Lender focuses on |
|---|---|---|
| Stabilized income-producing rental | Long-term hold | Rent, payment, credit, reserves |
Who it's for
- Buy-and-hold investors financing single-family or small multifamily rentals
- Self-employed borrowers whose tax returns understate their income
- Investors who have hit conventional (Fannie/Freddie) mortgage limits
- Entities (LLCs) that want to qualify on rent, not personal paperwork
What to prepare before requesting terms
A complete file is easier for lenders to price and materially reduces avoidable back-and-forth. Start with the items below; a lender may request additional documents after initial review.
Frequently asked questions
What is a DSCR loan?+
What DSCR do I need to qualify?+
How much can I borrow with a DSCR loan?+
Do DSCR loans require income verification?+
Can I get a 30-year DSCR loan?+
Can I close a DSCR loan in an LLC?+
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Business-purpose investment loans. No obligation.
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DSCR Rental loans in top investor metros
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