DSCR
Simple. Scalable. Smart Financing for Buy-and-Hold Investors.
At Mr. Transactional Lender, we make it easy for real estate investors to scale their rental portfolios using DSCR loans (Debt-Service Coverage Ratio loans). Whether you’re refinancing a short-term rental, purchasing a new long-term hold, or unlocking equity from your existing portfolio, our DSCR financing is designed to work for investors—not banks.
💡 What is a DSCR Loan?
A DSCR loan is a type of real estate investment loan that focuses on your property’s income—not your personal income. Rather than looking at W-2s or tax returns, we underwrite based on the property’s ability to cover the debt service (principal + interest payments). This makes DSCR loans ideal for:
Buy-and-hold investors
Short-term rental (STR) owners
Self-employed real estate entrepreneurs
Out-of-state landlords
🧭 How the DSCR Loan Process Works
Step 1: Submit Your Deal
Provide the basic details of the property you’re purchasing or refinancing, including estimated rent and purchase price. Our team will respond quickly with custom loan options.
Step 2: We Run the Numbers
We calculate the property’s DSCR ratio by comparing rental income to proposed loan payments. A DSCR of 1.0+ is usually required, but we offer flexible solutions based on your investment strategy.
Step 3: Fast Pre-Approval
You’ll receive a pre-approval within 24–48 hours. No tax returns or income docs needed—just a strong property and solid plan.
Step 4: Appraisal + Title
We coordinate the appraisal and title work while our underwriting team verifies the property’s performance and stability.
Step 5: Close + Scale
Once approved, we fund fast so you can close quickly. Use our DSCR loans to refinance BRRRRs, buy new doors, or expand your rental empire.
✅ DSCR Loan Benefits
No Income Verification
Nationwide Rental Coverage
30-Year Fixed Options Available
Cash-Out Refinance Available
Close in an LLC or Business Entity
Portfolio Loans Available
📥 Ready to Get Started?
Use our streamlined loan submission form to get a quote today. Whether you’re buying your first rental or your fiftieth, we’re here to fund your long-term wealth.