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No tax returns. No income requirements. Just rental property financing that pay for themselves.

DSCR Loans | Long-Term Rental Property Financing Based on Cash Flow

DSCR Loans

Make Your Rentals
Work for You

Let the property’s income qualify for the DSCR loan.

Debt service coverage ratio (DSCR) loans help you qualify based on your rental property’s income—not your personal income. If you’re building a cash-flowing portfolio and want to avoid income documentation hurdles, Groundfloor Lending’s DSCR loans offers low-friction funding.

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The Preferred Private Money Lender

Lending That Makes Sense

DSCR loans look at what matters – your property’s income. Skip the financial maze and get long-term rental loan options designed for real estate investors.

Key features

  • 30 year fixed rates
  • No tax returns needed
  • Up to 80% LTV
  • Property income qualifies

Simple Steps to Fund

  • Show Us Your Property:
    Tell us about your rental property investment and its income. We'll run the numbers in minutes.
  • Get Clear Answers:
    Know your terms fast. No guessing games. Clear communication at every step.
  • Close With Confidence:
    Move quickly on your next property. Start building your portfolio right away.
Getting started

Why Choose DSCR Loans

  • Property Power: Let rental income qualify you. No W-2s, no tax returns—just asset-based mortgage financing that helps you scale faster.
    Start building your real estate portfolio right away with a quick-closing DSCR loan.
  • Portfolio Growth: Buy more investment properties sooner. Use rental income strategy to qualify and expand your holdings efficiently.
  • Streamlined Process: Focus on what matters - your properties. We handle the rest.
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DSCR Loans

Qualify With..

  • 1.1 DSCR minimum
  • 660+ credit score
  • Property income verification
  • Clear rental strategy
  • 20% down payment
DSCR Loans

Scale Your Portfolio
 Without Income Documentation

Groundfloor Lending’s DSCR financing lets investors qualify on rental performance rather than personal income. Properties that generate rental income at one-point-two times their debt obligations meet the cash-flow test, allowing investors to bypass personal tax returns and W-2 paperwork. This approach helps landlords and LLC owners add doors quickly while keeping approvals predictable.

Designed for Portfolio Expansion

Both new and seasoned buy-and-hold investors rely on Groundfloor Lending’s DSCR mortgage solution to grow single-family and small multifamily portfolios. Underwriting reviews cash flow, rent rolls, and projected occupancy and delivers decisions within five business days. Closings average thirty days, so financing never slows your next purchase. Competitive rates, interest-only options, and entity-based approvals all support long-term growth.

Property Types and Qualification Focus

DSCR loans from Groundfloor Lending finance single-family rentals, townhomes, duplexes, and four-unit multifamily properties. Each application is evaluated on property income, market rents, and a minimum one-hundred-twenty percent coverage ratio. The focus on asset performance makes this loan practical for investors with complex tax profiles, pass-through entities, or anyone entering new markets where rental cash flow can carry the debt.
Have questions?
DSCR FAQ