Straight answers, before you call a lender.
Short articles on the questions people actually ask about rental-property loans. Each one answers in the first paragraph, shows the ranges across the programs we use, and says when underwriting last checked the figures. Written by Lendwise, read by compliance, and updated only when something in them changes.
Start with the DSCR loans guide
What a DSCR loan is, who it fits, and how the rent test works, in one place.
See example DSCR pricing
Saved purchase and refinance examples with their assumptions and dates, and a private quote when you want one.
Check a property's coverage
Enter rent and a payment to see the ratio and the rent or loan amount that would reach your planning target.
DSCR loans
10 questions, answered in the order people usually ask them.
Do DSCR loans require 20% down?
What a DSCR loan usually asks for as a down payment, when 15% down can work, and how your credit, the rent ratio and the property type move the number.
DSCR loan requirements, in plain English
The credit score, reserves, rent coverage and paperwork a DSCR loan asks for, and the honest list of what it does not need from you.
What is a good DSCR?
How the debt service coverage ratio is calculated, what 1.00 and 1.25 mean for a rental, how far below 1.00 some programs go, with a calculator you can use.
What is the downside of a DSCR loan?
The real trade-offs of a DSCR loan: cost, prepayment penalties, the down payment and the rent test, and the situations where it is still the better choice.
DSCR loan vs. conventional loan
How a DSCR loan and a conventional investment property loan differ in paperwork, qualifying math, ownership, loan count and who each one tends to fit.
Can an LLC get a DSCR loan?
How DSCR loans work when the rental is held in an LLC: who signs, the personal guaranty, the documents lenders ask for, and what to check before you apply.
How many DSCR loans can you have?
Why there is no single limit on DSCR loans, how lender caps and reserves work across several rentals, and the loan terms investors usually choose.
DSCR loans for short-term rentals
When a DSCR loan can finance a short-term rental, how the rent is counted, the conditions that come with it, and why personal use is off the table.
DSCR refinance and cash-out, explained
How a DSCR refinance works: the equity you keep, seasoning, rent documentation, what the cash can be used for, and the business-purpose test.
Who offers DSCR loans?
Why most banks do not offer DSCR loans, what kind of lender does, and a short checklist for finding out whether yours will.
Shorter follow-up articles join this list as readers ask for them. Each article shows its own published and updated dates; the list stays undated.
Ready to look at your own numbers?
See example DSCR pricing and request a private quote, or talk with a loan officer first. No application is needed to look.