DSCR Options
One product. Four ways investors use it.
Purchase, cash-out, short-term rentals, LLC portfolios — every door leads to the same first step: your DSCR Analysis.
Property Types We Finance
- Single-Family Rentals (SFR)
- Condos & Townhomes
- 2–4 Unit Properties
- Short-Term & Vacation Rentals
Buy Your Next Rental
DSCR purchase financing qualifies you on the property's rental income instead of your personal income. If the rent covers the payment, the deal can stand on its own — no tax returns, no W-2s, no employment verification. Request your DSCR Analysis before you write the offer so you negotiate knowing your numbers.
- ✓No personal income docs — the property's rent does the talking
- ✓Close in an LLC or entity
- ✓First-time and portfolio investors alike
- ✓Typically 20–25% down
- ✓Analysis back in 24 hours — usually same day
Cash-Out Your Equity
A DSCR cash-out refinance unlocks the equity in a rental you already own — for the next down payment, renovations, or reserves — qualified on the property's rental income, not your tax returns. Your DSCR Analysis shows what the rent supports before you commit to anything.
- ✓Access equity without personal income docs
- ✓Rate & term or cash-out
- ✓Keep scaling — proceeds can fund the next acquisition
- ✓LLC and entity vesting welcome
- ✓See what the rent supports before you move
Airbnb & Short-Term Rentals
Short-term rental income doesn't fit in a bank's box — but many DSCR programs are built for it. Whether it's an Airbnb, VRBO, or a vacation rental market, your DSCR Analysis looks at how the property's income profile fits available programs.
- ✓STR income considered by many programs
- ✓Purchase or refinance
- ✓Market-rent and STR-income analysis approaches
- ✓Entity ownership friendly
- ✓Straight answers on a niche banks fumble
LLC & Portfolio Investors
Own several rentals? Heavy write-offs? Close everything in an LLC? That's not a problem to explain away — it's the core DSCR customer. Your DSCR Analysis accounts for entity vesting and portfolio depth from the start, so the path fits how investors actually operate.
- ✓Close in an LLC — standard, not an exception
- ✓No limit mindset on financed properties
- ✓Self-employed and write-off-heavy investors welcome
- ✓Portfolio-aware scenario review
- ✓One specialist, start to finish
The DSCR Desk is a lead generation service and DBA of The Young Group, Inc., California DRE #02205895. The DSCR Desk does not make or fund loans. Loan scenarios are reviewed by a licensed loan originator; financing subject to qualification. Equal Housing Opportunity. Program availability, rates, terms, and qualification requirements vary by lender and are subject to change without notice.
Ready to get started?
Request your free DSCR Analysis in about 30 seconds — or talk it through with a specialist first. No pressure, no obligation.