Long-Term Rental Loans for Investors Who Want to Hold
DSCR financing that qualifies on the property's income - not your W-2. Build your portfolio without the bank red tape.
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income the property generates — not your personal income, employment history, or tax returns. If the rent covers the loan payment, the deal can work. It is one of the most powerful tools
DSCR = Gross Monthly Rental Income divided by Total Monthly Loan Payment. A DSCR above 1.0 means the property pays for itself.
Loan Features & Terms
Loan Purpose: Purchase, rate/term refi, or cash-out
Loan Term: 30-year fixed or adjustable options
Qualification: Based on property cash flow (DSCR), not personal income
Loan Size: $50,000 to $1,800,000+
Rates: Starting at 6.125% — contact for a quote
•Property Types: Single-family, 2-4 unit, ask about others
Who This Loan Is For
Are transitioning out of a bridge loan into permanent financing
Own or are purchasing a 1-4 unit rental property
Are self-employed or have complex tax returns that don't reflect actual income
Want to pull equity out of an existing rental to fund the next deal
Want to pull equity out of an existing rental to fund the next deal
Prefer to work with a private lender
rather than a traditional bank
Frequently Asked Questions
Question 1: DO I NEED TO SHOW MY TAX RETURNS?
No. DSCR loans qualify based on the property's rental income, not personal financials.
Question 2: CAN I FINANCE A PROPERTY HELD IN AN LLC?
In most cases, yes. Contact us to confirm for your specific situation.
Question 3: WHAT IF MY PROPERTY IS NOT CURRENTLY RENTED?
We can work with market rent estimates in some situations. Reach out to discuss your deal.
Ready to Lock In Your Rental Financing?
Private real estate financing for investors across the Northeast.
Contact
Copyright 2026. New England Realty Finance. All Rights Reserved.