Investor DSCR Financing
DSCR Loans for 1-4 Unit Investment Properties
Business-purpose financing for single-family rentals, duplexes, triplexes, and fourplexes. Eligible DSCR programs focus primarily on the property’s rental cash flow and overall loan scenario rather than traditional consumer-income underwriting.
Investment properties only. Program terms, documentation, leverage, pricing, and eligibility vary.
1-4 Unit Properties • Property Cash Flow Focused • Purchase & Refinance • LLC / Entity Friendly Where Eligible
Property Types We Finance
Single-Family Rental
Duplex
Triplex
Fourplex
How DSCR Is Calculated
Rental Income ÷ Qualifying Debt Expense = DSCR
For example, a property with $2,500 in monthly rental income and a $2,000 monthly qualifying debt payment produces a DSCR of 1.25. A ratio above 1.00 generally indicates property income exceeds the measured debt obligation, but minimum ratios and calculation methods vary by program.
What Shapes Your Scenario
Property Cash Flow
LTV / Equity
Credit Profile
Property Type
Reserves / Liquidity
Loan Purpose
Purchase, Refinance, or Grow Your Portfolio
Purchase
Rate & Term Refinance
Cash-Out Refinance
See Cash-Out Refinance.
Portfolio Growth
See Portfolio Loans.
Financing a short-term rental instead? See Short-Term Rental DSCR Loans.
Why Investors Use DSCR Structures
Property-Focused Underwriting
Entity-Friendly Options
Repeat-Investor Applicability
Multiple Financing Paths
Scenario-Based Review
Property Cash Flow Focused
Many DSCR programs rely primarily on eligible property cash flow rather than traditional W-2 or tax-return income underwriting. Documentation requirements vary by program and borrower.
The Process
Run Your Numbers
Submit Your Scenario
Capital Desk Review
Upload Requested Documents
Review Available Terms
Frequently Asked Questions
What is a 1-4 unit DSCR loan?
A DSCR loan for a 1-4 unit property is business-purpose financing for an investment property with one to four residential units, evaluated primarily on the property’s rental cash flow rather than the borrower’s personal income.
What properties qualify?
Single-family rentals, duplexes, triplexes, and fourplexes held for investment purposes may be eligible, subject to program guidelines.
How is DSCR calculated?
DSCR is rental income divided by the qualifying debt expense on the property. Minimum ratios and exact calculation methods vary by program — see the DSCR Calculator.
Can an LLC borrow?
LLC and other entity ownership is considered where eligible under the applicable program.
Can I refinance?
Yes — both rate-and-term and cash-out refinance are available on eligible 1-4 unit investment properties. See Cash-Out Refinance.
Can short-term rentals qualify?
Short-term rentals are reviewed under a dedicated program — see Short-Term Rental DSCR Loans.
Are personal tax returns always required?
Many DSCR programs do not rely on traditional W-2 or tax-return income underwriting, subject to program and borrower requirements. Documentation still varies by lender and scenario.
What credit score is needed?
Minimum credit requirements vary by lender and program rather than a single universal number. The Capital Desk can outline what applies to a specific scenario.
Related Financing Resources
Ready to Review Your Investment Scenario?
Tell FAAS Funding about the property and financing objective. The Capital Desk will review the scenario against available business-purpose capital programs.
Check Eligibility
Book a Strategy Call
Submitting a scenario does not constitute an approval or commitment to lend. Programs and terms are subject to underwriting and availability.