Cash Flow–Based Investor Loans
Short-term and long-term DSCR loans.
Who Its Best For?
Investors acquiring or refinancing rental properties using property income instead of personal income
- First-time investors building cash flow without traditional lending requirements
- Experienced investors scaling portfolios beyond conventional loan limits
- Short-term rental operators maximizing income through Airbnb, VRBO, or similar platforms
What It Does
A Cash Flow–Based Investor Loan (commonly called a DSCR loan) qualifies borrowers based on the property’s income potential, not personal income. Whether the property is a long-term rental or a short-term vacation rental, the loan focuses on the property’s ability to generate enough income to cover the mortgage payment and expenses.
This makes it possible for investors to qualify even if they’re self-employed, have multiple properties, or prefer not to use tax returns. The result is a faster, simpler, and more flexible way to build or refinance income-producing real estate.
Why It Matters
Conventional lenders often limit investors after a few properties or require complex income verification. Cash Flow–Based Investor Loans eliminate those barriers. They rely on the asset’s performance — whether monthly rent or projected short-term income — to determine eligibility.
This approach empowers investors to scale portfolios faster, qualify for higher leverage, and access capital that traditional lenders overlook. The benefits include:
- Qualification based on property income (long-term or short-term)
- No personal income documentation required
- Scalable for single properties or large portfolios
- Faster, more predictable approvals
- Flexibility for complex income structures and entities
Key Benefits
- Loan amounts from $75,000 to $50 million
- Qualification based on property cash flow or verified STR income
- Available nationwide for purchases, refinances, and portfolio loans
- Options for both long-term (12+ month) and short-term (daily/weekly) rentals
- Competitive terms and structures for investors and operators
Example Scenario
An investor owns multiple long-term rentals and wants to purchase a vacation home in a high-demand beach market. Conventional lenders can’t qualify both deals due to income documentation limits. We structured two loans: one long-term DSCR loan based on actual rent roll, and one short-term DSCR loan using Airbnb revenue projections. Both qualified based solely on property income, allowing the investor to expand the portfolio without personal income review.
FAQ
What is a DSCR or Cash Flow–Based Loan?
It’s a loan that qualifies based on property income instead of personal income.
Can I use this for both long-term and short-term rentals?
Yes. We structure DSCR loans for both traditional rentals and short-term vacation properties.
Do I need tax returns?
No. Qualification is based on the property’s income performance, not your tax filings.
Can I refinance an existing property?
Yes. These programs are available for purchases, refinances, and cash-out scenarios.
Are there limits to how many properties I can finance?
No set limit. Many investors use DSCR programs to grow large rental portfolios.
Can I move from a short-term loan to a long-term DSCR later?
Yes. Many investors refinance into long-term options once income stabilizes.
