DSCR Rental Property
Increase Cash Flow. Build Long-Term Wealth.
Investment Properties are all about Cash Flow! With our DSCR Rental Loans, you can close in as little as 10 days with reliable, competitive terms— we provide full Rate Stack options, so you choose the Loan Structure that’s right for you!
Our process is built for ease, speed, and scalability—no income verification, no tax returns, no headaches. Just asset-based approvals designed to help you buy or refinance rental properties fast.
DSCR Loan Program Highlights
Flexible Underwriting, Low Rates, and fast closings — our DSCR loans are built for real estate investors looking to scale their rental portfolio nationwide. Lock in your Cash flow with our DSCR rental loans.
Loan Amount:
$75,000 – $5,000,000+
LTV:
Up to 80% Purchase or Refinance
Loan Term:
30-Year Fixed or 10 Year IO
Property Type:
Non-Owner Occupied SFR, 2–4 Units, Condos, Townhomes, Multi Family 5+ Units, Mixed Use
No Income Verification:
No W-2s, tax returns, or pay stubs required
States:
Nationwide Lending (Excluding AK, ID, ND, SD, VT, UT)
Why Choose Goldman Funding for DSCR Loans
Close in 7–10 Days
Speed you can count on
No Income Docs Needed
True asset-based lending
Higher Leverage
80% LTV Purchase or Refi
Our Technology
Upload docs, track status, and view terms in real-time
Flexible Loan Options
Purchase, Rate/Term Refi, or Cash-Out Refinance
High Approval Rate
We close 93% of All DSCR loans in our pipeline
Steps to Getting Funded
Step 1: Submit Your Deal
Complete our quick online loan summary with basic deal info—location, property type, and contact info.
Step 2: Connect with a Loan Officer
You’ll be contacted within 24 hours by your dedicated loan officer to review loan options, terms, and next steps.
Step 3: Lock In Your Terms
Sign your term sheet and let us get to work. You can close in as little as 10 days.
Recently Funded
25 Units Rental Portfolio - Greenwood SC Portfolio
Cash Out Refinance @ 70% LTV
Cash Out Refinance @ 65% LTV
Refinance @ 75% LTV
FAQs DSCR Loans
To qualify, You’ll need a 660+ credit score, a DSCR of 0.75x or higher. No tax returns or income verification are required, even first-time investors can qualify.
Yes. All DSCR loans require an appraisal with a rental income schedule (Form 1007) to verify the market rent and property value.
No. DSCR loans are for business-purpose, investment-only properties. They cannot be used for primary residences or owner-occupied homes due to lending regulations.
DSCR loan rates typically range from 5.99% to 8.99% for a 30 Year Fixed Term, depending on factors like credit score, DSCR ratio, and LTV. Investors with higher credit and lower LTV often receive lowest pricing.
Yes. DSCR loans allow title to be vested in LLCs or corporations, its a loan to the entity, not an individual. This is ideal for scaling your This is ideal for scaling your portfolio and asset protection.
Single Family, Atlanta GA