DSCR Purchase
Ideal for long-term rental properties, including 1 to 4 unit homes and small multi-family buildings.
- Up to 80% LTV
- DSCR typically 1.00 or higher
- Fast approvals and underwriting
- Loan Amounts Up to $2M+ Flexible DSCR Options
- Property Types Single to 8+ Units SFR, Condo, Multi-Family, STR
- Investor Focused 20+ Lenders Competitive Programs
Investor-Focused DSCR Lending
DSCR Financing for Real Estate Investors
Trusted DSCR Lending for Investment Properties.
Flexible financing solutions for rental property investors. As a mortgage broker, we help real estate investors compare DSCR loan options from multiple lenders, structure stronger financing terms, and move through the approval process with confidence.
We work with 20+ DSCR lenders to deliver competitive rates, flexible guidelines, and financing solutions for rental property purchases, refinances, cash-out scenarios, and portfolio growth. That means more financing options, stronger leverage, and faster closings for real estate investors.
DSCR Loan Highlights
- Loan amounts up to $3,000,000
- Cash-out options up to $1,000,000
- No tax returns, W-2s, or pay stubs
- Qualification based on rental income
- LLC and entity ownership allowed
Real Estate Investor Loans Made Simple
Whether you're building your first rental or expanding a large portfolio, we provide fast, investor-friendly DSCR financing with minimal documentation.
DSCR Refinance
Refinance your rental property to lower payments or access equity with flexible terms.
- Cash-out up to 80% LTV
- No tax return required
- Use funds for new investments
Multifamily DSCR
Flexible financing for multi-family rental properties with low rates, high LTVs, and investor-friendly terms.
- 2-Unit
- 3-Unit and 4-Unit
- No tax return review
- Portfolio investor friendly
Why Investors Choose DSCR Loans
- Close in LLC or Personal Name
- DSCR Ratios as Low as 0.75
- No Tax Returns or Income Docs
- Long & Short-Term Rentals
- Cash-Out up to 80% LTV
- No DTI Requirements
Investor-Focused DSCR Solutions
DSCR financing for rental property purchases, refinancing and cash-out.
Loan Benefits
- Qualify Using Rental Income
- Close in Your LLC or Business Entity
- 30-Year Fixed and Interest-Only Options
- Eligible for STR and Long-Term Rentals
- Fast Closings with Minimal Documentation
- No DSCR Seasoning Required
Ideal Borrowers
- Borrowers Building a Rental Portfolio
- Airbnb & Short-Term Rental Hosts
- Self-Employed Investors
- BRRRR investors
- Buy-and-Hold Investors
Why Investors Choose Crestmark for DSCR Loans
Crestmark connects real estate investors to competitive DSCR loan options with speed, clarity, and flexibility.
Built exclusively for real estate investors, Crestmark Lending is a DSCR-focused mortgage broker delivering faster approvals, simplified underwriting, and access to dozens of national DSCR lenders. We understand investment property financing and provide the pricing, flexibility, and speed investors need to scale their portfolios with confidence.
A Better Way to Finance Investment Properties 
Crestmark Lending: DSCR Loan Experts
Crestmark Lending is home to experienced DSCR loan specialists delivering fast approvals, flexible structures, and investor-focused financing built specifically for rental property performance.
Why Choose Crestmark Lending
- Ultra-Low Rates
- Flexible Underwriting
- Fast, Predictable Closings
- Simplified Documentation
- Guidance from DSCR Specialists
Meet the Crestmark Lending Team
Work with a team focused on investor financing, responsive communication, and a smoother DSCR loan experience from application to closing.
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Brett Dempsey
Branch Manager -
Glen Dicken
Loan Officer -
Jen Papaelias
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Mark Dusza
Sr. Loan Officer -
Neal Pyles
DSCR Loan Specialists for Real Estate Investors
Crestmark Lending partners with 20+ institutional lenders to deliver competitive pricing, flexible credit structures, and loan solutions tailored to real estate investors. Rather than relying on a single lender's guidelines, we leverage multiple capital sources to secure the right structure for your property and investment strategy.
From first-time investors to experienced portfolio operators, we provide the speed, certainty, and market access needed to close confidently and scale efficiently nationwide.
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Close on Time
Fast DSCR approvals with streamlined, investor-focused underwriting.
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Low Rates
Access sharp DSCR pricing from 20+ lenders.
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Flexible Underwriting
Flexible DSCR approvals for STRs, LLCs, and portfolio investors.
DSCR Insights for Real Estate Investors
May 18, 2026
Why Florida Is a Prime Market for DSCR Real Estate Investors Right Now
Florida has long been one of the top destinations for real estate investors, but the current market environment is creating a unique window of opportunity for DSCR borrowers...
May 2, 2026
DSCR Loans for Real Estate Investors: Why the Market Is Heating Up in 2026
The real estate market has shifted—but for real estate investors, that shift is creating opportunity.
April 12, 2026
What Credit Score Do You Need for a DSCR Loan? (2026 Guide)
If you’re investing in real estate, you’ve probably heard about DSCR loans—and how they don’t require traditional income documentation.
DSCR Loan Options by State
Crestmark Lending offers DSCR loan programs for real estate investors across Texas, Oklahoma, Colorado, and 35+ other states nationwide.
What is a DSCR loan and how does it work?
A DSCR loan is an investor-focused mortgage where approval is based on the property's rental income, not your personal income or tax returns. Lenders compare the rental income to the monthly payment (PITIA) to calculate the Debt Service Coverage Ratio. If the income covers the payment, the property qualifies.
What credit score and DSCR ratio do I need to qualify?
Most DSCR lenders require a minimum credit score of 660 and a DSCR ratio of 1.00 or higher, meaning the rental income covers the payment. Some lenders allow lower DSCR ratios (even below 1.0) with stronger credit, higher reserves, or additional pricing adjustments.
How much do I need for a down payment on a DSCR loan?
Down payment requirements for DSCR loans typically range from 20% to 25%, depending on credit, property type, and the loan program. Some lenders may offer higher leverage options with stronger borrower profiles. Working with a mortgage broker gives you access to multiple DSCR lenders to help secure the most competitive terms for your investment.
Can I close a DSCR loan in an LLC?
Yes. DSCR loans are specifically designed for real estate investors and can be closed in an LLC, corporation, or other entity structure. This allows investors to separate liability, keep clean bookkeeping, and manage multiple rental properties under one entity.
Get Your DSCR Rate Quote
Fast Pre-Qualifications, No Tax Returns, LLC Friendly.