DSCR Rental Loans
For real estate investors purchasing or refinancing income-producing rental properties. Qualification is based primarily on rental income and property cash flow, with no traditional income underwriting in many DSCR structures.
Program Focus
Structures we fund under this program.
Who It's For
- Buy-and-hold rental investors
- Investors refinancing or pulling equity
- Short-term rental (STR) operators
- Investors scaling a rental portfolio
Documents You May Need
- Completed funding application
- Lease agreement(s) or rent roll
- Two most recent bank statements
- Entity documents & government ID
- Insurance (or quote)
Document requirements vary by transaction and lender guidelines. This list is a starting point, not a complete checklist.
Program Guidelines
Investors purchasing, refinancing, or cashing out non-owner-occupied rental properties.
Eligible Uses
- Purchase
- Rate-and-term refinance
- Cash-out refinance
- Delayed purchase financing
- Portfolio rental financing
- Long-term rental financing
- Short-term rental review (program-dependent)
General Program Features
- DSCR-based underwriting
- No personal income verification on select programs
- Up to 80% LTV on select qualified files
- Up to 75% LTV on select cash-out refinance files
- 30-year fixed, ARM & interest-only options (program-dependent)
- Lease or market-rent review
- Portfolio options for multiple properties
- AirDNA / STR rent schedules reviewed for short-term rentals where applicable
Eligible Property Types
All figures are illustrative ranges available on select qualified files and are program-dependent — not a commitment to lend. All programs are subject to underwriting, borrower qualification, property review, collateral review, credit review, documentation, market conditions, capital partner approval, and applicable law.
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Watson Capital Partners provides access to private capital, a nationwide network of lending relationships, and creative financing structures for real estate investors, developers, and business owners who value speed, structure, and disciplined execution.