DSCR Rental Loans
Fit For You.

The goal of real estate investing is to create a positive cash flow, whether its short bursts of large ROI with fix and flips or smaller amounts of money over long periods of time with rental property. Investors that decide to buy property and hold it as an income-producing asset are looking to set themselves up for long-term financial success. Generating passive monthly income through several rental properties at the same time is an excellent way to create a steady cash flow that compounds with the growth and appreciation of the rental portfolio.

ABL strives to provide rental investors with the most competitive rates and leverage, so we brought our term rental loans in-house to lower borrower costs and deliver the five-star service that we are known for. With deals closing in 20 days on average and our document-lite approach, we make the rental loan process quick and easy for all experience levels. If you are a real estate investor that wants to invest in long-term rental property using our rental property financing, contact us today.

There are multiple benefits to using ABL for your rental property loans.

• There is no one size fits all approach here. We have a variety of rental loan programs available, and will choose the option that best fits your needs. This includes a no income verification rental loan, a max LTV program, a lowest rate program, etc.
• If you are purchasing a new property that you hope you keep for rental income, ABL will help you quickly secure the purchasing and renovation funds.

Great news for STR investors such as AirBNB and Vrbo hosts- we can finance your short term rental property! Typically, its hard to finance vacation rental investments due to seasonality hurting the projected 12-month income. A beach home isn’t going to receive many paying guests over the winter, so even a homerun investment property will have a poor DSCR when viewing the 12-month history.

Our DSCR loans for short term rentals are qualified using data from AirDNA, a service that helps take seasonality into account and provides an accurate assessment of potential cashflow by comparing to other active short term rentals in the area. By looking at the full picture, ABL can offer our signature five-star service and finance your STR property.

Whether its a single unit or an entire portfolio, our AirBNB loans make financing your business a breeze. Contact us today to discuss how we can help you start or scale your STR investments.

A DSCR loan is a rental property loan that qualifies the borrower based on the property’s rental income rather than personal income. DSCR stands for debt service coverage ratio, and because the property’s cash flow does the qualifying, there are no tax returns and no income verification required.

DSCR is calculated by dividing the property’s monthly rental income by its monthly debt obligations, including principal, interest, taxes, insurance, and association dues. A DSCR of 1.0 means the rent covers the payment exactly, and anything above 1.0 means the property cash flows. ABL’s DSCR calculator estimates your ratio before you apply.

Asset Based Lending’s DSCR rental loans require a minimum FICO credit score of 660 and a minimum DSCR of 1.0, with leverage up to 80% LTV and loan sizes from $85,000 to $2.5 million. Eligible properties include single family homes, 2-to-4-unit multi-family properties, and condos.

ABL’s DSCR rental loans are 30-year fixed loans with rates as low as 6.00%, a 30-day rate lock upfront, and rate buy downs available. Purchase, delayed purchase, rate and term refinance, and cash out refinance options are all available.

No. DSCR rental loans are long term financing, while hard money loans are short term project financing. Many investors use both: hard money funds the purchase and renovation phase, then a DSCR loan refinances the stabilized rental for the long-term hold. ABL offers both under one roof.

Yes. DSCR loans are qualified on the property’s rental income, so there is no personal income verification, no tax returns, and no W2 requirement. This makes them a fit for self-employed investors and those scaling portfolios beyond what conventional debt to income limits allow.

Yes. Cash out refinancing lets investors pull equity from a stabilized rental to fund the next acquisition. ABL’s DSCR program also supports rate and term refinances and delayed purchases, all qualified on the property’s rental income.

Yes. Asset Based Lending offers blanket DSCR loans covering up to 20 properties under a single loan, simplifying payments and closing costs for investors managing growing portfolios.

The DSCR loan is the refinance step. After buying, rehabbing, and renting a property, investors refinance into a long term DSCR loan to recover capital and fund the next deal. Because qualification is based on the new rental income, the improved property and raised rents work in the investor’s favor.