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DSCR
Purchase & Construction
DSCR Loans
Qualify on the property’s cash flow, not your personal income. Built for investors scaling a rental portfolio without the friction of traditional mortgage underwriting.
At a Glance
Loan Amount
$10K – $350M
Max LTV
Up to 90%
Term
6 Mo – 35 Yrs
Property Types
Res. / Comm. / Mixed-Use
Time to Close
3 – 6 Working Days
——— Overview
How DSCR financing works
A Debt Service Coverage Ratio (DSCR) loan qualifies you based on the rental income the property generates, rather than your personal W-2s, tax returns, or debt-to-income ratio. If the property’s rent covers the mortgage payment, you’re in range — making this a fast path to financing for investors with multiple properties or non-traditional income.
Trust Edge Ventures Ltd offers DSCR loans for single-family rentals, 2–4 unit properties, condos, and short-term rental portfolios, with terms structured around your investment strategy.
Key Features
- No personal income or employment verification required
- Close in an LLC or other business entity
- Unlimited financed properties — no portfolio caps
- Fixed-rate and interest-only options available
- Short-term rental (Airbnb/VRBO) income accepted
Loan Terms
Loan Amount
$10K – $350M
Min. DSCR
1.00x
Max LTV
90%
Rate Type
Fixed / IO
Term Length
30 Years
Prepay Penalty
No Prepayment Penalty
—— Is This Right For You?
Built for cash-flow investors
- Good fit if you
Own or are purchasing a rental property with positive cash flow
Are self-employed or have non-traditional income documentation
Already own multiple financed properties
Want to close in an LLC or business entity
Need a faster close than conventional mortgage underwriting
- Consider another product if you
Are purchasing a primary residence — see Mortgage Loans
Need financing for a short-term renovation project — see Fix and Flip
Are financing 5+ unit properties — see Multi-Family Loans
Need to pull equity from an existing owned property — see Cash-Out Refinance
—— Process
From application to funding
1 ———————————————————
Submit Property Details
Share the property address, purchase price or value, and expected rental income.
2 —————————————————
DSCR Calculated
calculate your ratio using market or in-place rent — no personal income documents needed.
3 ——————————————
Terms Issued
Receive your rate, LTV, and term options based on the property’s cash flow.
4 ——————————————
Close & Fund
Close in your name or entity, typically within three weeks.
——— Common Questions
DSCR Loans FAQ
What DSCR ratio do I need to qualify?
Most programs accept a minimum DSCR of 1.00x, meaning rental income covers the full mortgage payment. Stronger ratios (1.20x+) typically unlock better pricing and higher leverage.
Can I close in an LLC?
Yes. DSCR loans are commonly closed in an LLC or other business entity, which is one reason they’re popular with investors building a portfolio.
Does short-term rental income count?
Yes, Airbnb and VRBO income can be used to calculate DSCR, typically based on documented historical income or a market rent report.
Is there a limit on the number of financed properties?
No. Unlike many conventional loan programs, DSCR financing through Trust Edge Ventures Ltd does not cap the number of properties you can hold.
How long does closing take?
Most DSCR loans close in approximately three weeks from a complete application, though timelines vary by property type and jurisdiction.
——— Related Products
Explore other financing options
Real Estate
Multi-Family Loans
Financing for 5+ unit residential and mixed-use properties.
——— Get Started
Check your rate in minutes.
No impact to your credit. Get matched with a DSCR
loan advisor and see your terms before you commit to anything.