DSCR Rental Loan
Flexible loans for cash-flowing investment properties up to 4 units.
What is a DSCR rental loan?
A DSCR rental loan, often called a DSCR loan or no-income mortgage, provides quick financing for real estate investors purchasing or refinancing rental properties. The DSCR (Debt Service Coverage Ratio) evaluates the property’s ability to cover its mortgage and expenses, determining the loan amount. A higher DSCR gives investors greater borrowing potential.
Various property types
2-4 unit apartments, condos, and townhomes.
Competitive loan terms
Choose from fixed-rate or adjustable financing options
Flexible loan structures
Finance individual properties or portfolio rental properties
Quick closings
Funding in as fast as 18-30 days
Our DSCR rental loan programs
Residential DSCR Loan (1-4 units)
For investors financing single-family rentals (SFRs), townhomes, condos, or 2-4 unit propertiesNo application fee
No income verification
Term options
5/1 ARM
Fixed interest rate for the first 5 years. Afterward, the 5/1 ARM switches to an adjustable interest rate for the remainder of its 30-year term.
7/1 ARM
Fixed interest rate for the first 7 years. Afterward, the 7/1 ARM switches to an adjustable interest rate for the remainder of its 30-year term.
30-year fixed
Fixed interest rate for the entire 30-year term.
Get your loan funded in just 3 short steps
Get pre-approved online
With just some basic information, we can quickly assess a loan's eligibility and provide you with a pre-approval decision and preliminary loan terms.
Submit details
Once a loan is deemed eligible, we need some more information about the property and the borrower. We'll adjust the loan terms accordingly.
Final underwriting
This is where we check the appraisal, credit score, and any other information critical to the loan. As soon as this step is completed, we can close and fund the loan.
Support your BRRRR strategy
Support your BRRRR strategy (buy, rehab, rent, refinance, repeat) with YouLand's DSCR rental loans. Acquire the property with our Fix-and-flip loan to cover the cost of the purchase and the rehab of the property. When the rehab is complete, you can refinance to a long-term rental loan at a lower interest rate and take a cash-out option to purchase your next property.
States we lend in
YouLand is dedicated to supporting real estate investors nationwide with our technology, capital, and investment experience.
We currently lend in the following 42 states:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, and Virginia.
We currently do not lend in the following states:
Idaho, Montana, Wyoming, North Dakota, South Dakota, Iowa, Nebraska, Minnesota.
Properties we currently cannot finance
Here is a list of property types for which we are unable to offer loans at this time:
- Land
- Rural properties
- Commercial real estate, including office, retail, and hospitality
- Mobile homes
- Manufactured homes
- Multi-family in New York and New Jersey
In addition, we are 1st lien only and can't do 2nd or 3rd.
$1 Billion+
in bridge financing provided to investors and developers.
1000+ homes
funded by our team so far, located all across the country.
99%
success rate in exits compared to the 85% industry standard.
42 states
where we lend in and help people invest in their communities.
NMLS ID 2090196
NMLS consumer access : https://www.nmlsconsumeraccess.org/
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