Compare wholesale DSCR loan options.
Built for rental investors.
Investor-focused DSCR financing for non-owner-occupied properties across the United States. We shop wholesale capital to match your rental scenario.
Business-purpose loans only. Availability varies by state and broker licensing.
Built for rental property investors
Multi-lender comparison
Submit once. Review indicative terms from multiple wholesale DSCR programs matched to your property and leverage goals.
Investor-only focus
Every product is business-purpose, non-owner-occupied. We do not arrange consumer mortgages.
Transparent process
Clear DSCR math. Every lender fee disclosed in writing before you commit. Direct access to the numbers that matter.
How GetDSCR works
Tell us about the property
Property state, type, estimated value, rent, and your loan goals.
We shop the market
Our engine matches you to active wholesale DSCR programs that fit your scenario.
Review indicative terms
See DSCR requirements, LTV, and prepayment options side-by-side.
Move to underwriting
Choose the best fit. We introduce you to the lender for full processing.
We are a broker. We arrange financing; we do not lend directly.
DSCR products
Specialized financing for investment real estate.
Standard DSCR Loans
Core 30-year and 15-year DSCR programs for 1-4 unit rentals. Maximum LTV varies by lender, credit and ratio.
Purchase DSCR
Acquire new investment properties with DSCR qualification based on rental income.
Cash-Out Refi DSCR
Access equity in existing rentals for portfolio growth, repairs, or other business use.
Market snapshot
DSCR availability and program guidelines vary by state and lender. We track wholesale lender guidelines as they change.
Active wholesale programs
Multiple DSCR lenders actively quoting 1-4 unit, short-term rental, and small multifamily in many states, subject to lender and broker licensing for the property location.
Typical qualifying DSCR
1.00x – 1.25x minimum coverage ratio, set by each lender and adjusted for credit, experience and property type. Higher DSCR unlocks better pricing and LTV.
Investor focus
Most active programs target experienced landlords and short-term rental operators. New investors also served on select products.
Ready for numbers?
Tell us about the property. We'll return indicative DSCR terms from active programs.
Business-purpose investment loans only.
Common questions
Program Structure Comparison & Investor Brief
Quick Answer · Reviewed by Loan Daddy LLC editorial team
A DSCR (Debt Service Coverage Ratio) loan on getdscr.com is a business-purpose mortgage for non-owner-occupied rental real estate where qualification is driven by property cash flow (Gross Monthly Rent ÷ PITIA) rather than personal W-2 or tax-return income. Loan Daddy LLC (NMLS #2827624) is a mortgage broker that compares wholesale DSCR programs across multiple lenders.
| Guideline Dimension | DSCR Rental Loan (Business-Purpose) | Private Money / Bridge (Business-Purpose) | Conventional Investment Mortgage |
|---|---|---|---|
| Primary Qualification | Property rental cash flow (Gross Rent ÷ PITIA) | Purchase basis, rehab budget (LTC), ARV, and exit plan | Personal debt-to-income ratio (DTI) and verified employment |
| Tax Returns / W-2 Required | Not required on standard DSCR shelves | Not required on asset-based bridge shelves | 2 years of personal & business tax returns and W-2s |
| Entity / LLC Vesting | Supported (LLC, LP, Corporation, or Individual) | Supported (standard for business-purpose bridge) | Generally restricted to individual borrower vesting |
| Property Occupancy | Strictly non-owner-occupied investment property | Strictly non-owner-occupied investment property | Investment property (subject to financed-property count caps) |
| Loan Daddy LLC Role | Wholesale mortgage broker comparing multiple DSCR shelves | Wholesale mortgage broker comparing private & bridge capital | Scenario comparison benchmark |