DSCR Rates Now As Low As 5.25% Get Started Today!

DSCR Rental Loans for Real Estate Investors

Finance the purchase or refinance of your rental properties. We provide the most competitive options to you. Rates currently in the 6s with buydowns in the 5s!

ICG10 Capital provides DSCR rental property financing for investors acquiring single rentals or entire portfolios. As a nationwide DSCR lender, we lend in most U.S. states and many major markets (including investor-heavy states like Florida and Texas), with fast closings for purchase and refinance scenarios.

APPLY NOW MULTIPLE PROPERTIES (DOWNLOAD TEMPLATE)


80% of As-Is

We'll often go up to 80% of the value of your property, making our program the most competitive for your needs.

Blanket Deal

Doing one loan on a portfolio of rentals is popular, mainly to save costs. We provide a 30-year option.

Property Types

SFR, 1-4 Units, 5+ Multifamily, Mixed Use, Retail, Industrial, Automotive, Mobile Home Park, Warehouse, Self-Storage, Restaurant/Bar, Daycare Center, and more.

Low Prepayment Penalties

Tired of paying those prepayment penalties when you have to sell properties? That's fine. We generally have low penalties.

Low Credit

If you're worried about your credit score to qualify, don't! We can lend to borrowers with credit scores as low as 650.

Low Docs

We do not require personal income or taxes. And these deals close in an LLC. AirBnBs are acceptable!

Questions? 954.798.0726 or info@icg10.com

Complete our quick 1-minute application and receive preliminary terms fast.

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DSCR Rental Loans Built for Real Estate Investors

ICG10 Capital provides DSCR rental property financing for purchases, rate/term refinances, and cash-out refinances. Approval is driven primarily by the property's cash flow, not your personal income-making DSCR loans ideal for investors scaling single rentals or portfolios.

Why Investors Use DSCR Loans

  • No personal income docs: Typically no tax returns or W-2s required.
  • Close in an LLC: Investor-friendly entity vesting is standard.
  • Purchase + refinance options: Including cash-out in many scenarios.
  • Short-term & long-term rentals: SFR, Airbnbs, 1-4 Units, 5+ Multifamily, Mixed Use, Retail, Industrial, Automotive, Mobile Home Park, Warehouse, Self-Storage, Restaurant/Bar, Daycare Center, and more.
  • Portfolio solutions: Finance multiple properties with a single structure.
Check DSCR Terms > DSCR Calculator

Process & Timeline (Simple + Fast)

1
Apply in minutes
Share the property address, scenario (purchase/refi), and rent details.
2
Receive preliminary terms
We structure around DSCR, LTV, credit, and property type.
3
Appraisal + underwriting
Order appraisal (or valuation) and finalize file review.
4
Close & fund
Many DSCR loans close in ~2-3 weeks depending on docs, title, and valuation timing.
Portfolio / Blanket Lending Areas DSCR Application
Need DSCR terms fast?
Apply in 1 minute and get a quick review from our team.
Start Application Call 954.798.0726

DSCR Loan FAQs

Quick answers to the most common questions investors ask about DSCR underwriting, documentation, timelines, and property types.

Do DSCR loans require tax returns?
No. DSCR loans focus on the property's cash flow rather than personal income documentation, so tax returns and W-2s are typically not required.
How fast do you close DSCR loans?
Typically ~2-3 weeks, depending on how quickly documents are provided, title is cleared, and the appraisal/valuation is completed.
Where do you lend?
We lend nationwide in most U.S. markets. To confirm availability for your state, visit our Lending Areas page.
Can investors close DSCR loans in an LLC?
Yes. DSCR loans are designed for investors and commonly close in an LLC or other entity structure.
Can DSCR loans be used for refinancing (including cash-out)?
Yes. DSCR financing is commonly used for purchases and refinances, and many scenarios allow cash-out based on guidelines and property strength.
What properties do you lend on?
Common property types include SFR, airbnbs / vacation rentals, 1-4 units, 5+ multifamily, mixed use, retail, industrial, automotive, mobile home parks, warehouses, self-storage, restaurant/bar, daycare centers, and more (market/program dependent).
Are portfolio rental loans available?
Yes. Investors can finance multiple rentals under one portfolio/blanket structure. If you're financing multiple properties, check our Portfolio Term Loan program.
Get DSCR Loan Terms >