- Home
- DSCR Loans (Debt Service Coverage Ratio)
DSCR Loans (Debt Service Coverage Ratio)
No income verification. Just the property’s cash flow.
What is a DSCR Loan?
DSCR loans are asset-based rental property loans that rely primarily on the property's ability to generate income, not your personal income, tax returns, or employment history. These loans are ideal for both new and experienced real estate investors seeking to build, refinance, or scale rental portfolios with flexibility and speed.
Whether you're working on long-term rentals, short-term vacation properties, or cash-out refinancing, UPNEXT Capital provides DSCR loan solutions tailored to unique investment goals — including options for foreign nationals, rural properties, low FICO scores, second lien positions, and zero-point programs.
|| DSCR Loans ||
Flexible Rental Property Financing — No Income Docs, No W2s Required
Explore a wide range of DSCR (Debt Service Coverage Ratio) loan options tailored for investors — including cash-out refinances, 30-year fixed terms, foreign nationals, 2nd liens, and rural properties. These loans are based on property cash flow, not personal income.
Why Choose a DSCR Loan from UPNEXT?
- No Income Verification – Approval based on property cash flow.
- Flexible Credit Score Requirements – Options from 600+ and even No FICO.
- High Leverage – Up to 85% LTV depending on the program.
- Nationwide Lending – Coverage across most U.S. states.
- Short-Term & Long-Term Options – Full amortization or interest-only for 5–10 years.
- Investor-Friendly – Designed for all experience levels, from first-time landlords to seasoned investors.
- Variety of Structures – Refinance, purchase, portfolio loans, and 2nd liens available.
Standard DSCR Loan Programs
|
Program
|
Credit Score
|
DSCR Ratio
|
Loan Terms
|
LTV
|
Loan Amount
|
Monthly Payment / Rate
|
Points
|
Notes
|
|---|---|---|---|---|---|---|---|---|
|
30-Year DSCR (Standard)
|
600+
|
0.75 – 1.25
|
Full amortization or IO 5–10 years
|
80% Turnkey / 75% Refi / 70% Short Term
|
$100K+
|
Market Rates
|
Varies
|
All investor levels. Appraisal required.
|
|
30-Year DSCR (Condos, Multi-Units, Portfolio)
|
680+ @ 6.65%+
|
0.75 – 1.25
|
IO or Amortized + 3-Year Prepay
|
Same as above
|
$100K+
|
Market Rates
|
Varies
|
2–4 Units, Condos, PUDs, Portfolios, Manufactured Homes.
|
|
Short-Term DSCR
|
680
|
Flexible
|
30-Year
|
70%
|
$100K+
|
Market Rates
|
2 Points
|
Designed for short-term rental properties.
|
DSCR Cash-Out Refinance Programs
|
Program
|
Credit Score
|
DSCR Ratio
|
Loan Terms
|
LTV
|
Loan Amount
|
Monthly Payment / Rate
|
Points
|
Notes
|
|---|---|---|---|---|---|---|---|---|
|
Cash-Out Refi – Zero Points
|
680+
|
1.1 – 1.2
|
30-Year Fixed
|
70–80%
|
$100K+
|
7–8% APR
|
0
|
Appraisal required. Escrow closing with your title company.
|
|
Cash-Out Refi – No Seasoning
|
620+
|
No Minimum
|
30-Year Fixed
|
70–80%
|
$100K+
|
TBD
|
Varies
|
No seasoning requirement.
|
|
Cash-Out Refi – Zero Lender Points (Nationwide)
|
660 = 70%700 = 75%
|
1.0
|
30-Year Fixed
|
70–75%
|
$75K+ (Appraised $100K)
|
6.87–9.5%
|
0
|
All 50 states except ND, CD, VT.
|
|
Cash-Out Refi – Rural
|
No FICO
|
No Minimum
|
30-Year Fixed
|
50%
|
$100K+
|
1.2–1.5% Monthly
|
Varies
|
For rural properties only.
|
DSCR for Foreign Nationals
|
Program
|
Credit Score
|
DSCR Ratio
|
Loan Terms
|
LTV
|
Loan Amount
|
Monthly Payment / Rate
|
Points
|
Notes
|
|---|---|---|---|---|---|---|---|---|
|
Purchase & Refinance – Foreign Nationals
|
No FICO
|
No Minimum
|
30-Year Fixed
|
70%
|
$100K+
|
7–9% APR
|
Varies
|
No U.S. partner required. Includes LLC + bank setup ($700–$1K).
|
2nd Lien DSCR Loans
|
Program
|
Credit Score
|
DSCR Ratio
|
Loan Terms
|
LTV
|
Loan Amount
|
Monthly Payment / Rate
|
Points
|
Notes
|
|---|---|---|---|---|---|---|---|---|
|
2nd Lien DSCR – 30 Year
|
680 = 65%700–720 = 70–75%740 = 80%760 = 85%
|
1.1
|
30-Year Fixed
|
65–85%
|
$75K+ (Appraised $100K)
|
8.625–11%
|
0–1
|
Nationwide (except ND, CD, VT). Allows 2nd position financing.
|
🏢 UPNEXT Capital DSCR Loan Selector
How to Use:
- Adjust the Credit Score and DSCR Ratio using the sliders.
- Select your desired Loan Purpose and Property Type.
- The matrix below will highlight loan options that match your input.
- If no options match, click the "Find My Loan" button to explore personalized solutions.
| Loan ID | Program | Credit Score | DSCR | Loan Purpose | LTV | Property Type |
|---|---|---|---|---|---|---|
| DSCR-001 | 30-Year DSCR (Standard) | 600+ | 0.75 – 1.25 | Purchase, Refinance | 80% | Single Family, Multi-Units |
| DSCR-002 | 30-Year DSCR (Condos, Multi-Units, Portfolio) | 680+ | 0.75 – 1.25 | Purchase | 80% | Condos, Multi-Units, Manufactured Homes |
| DSCR-003 | Short-Term DSCR | 680 | Flexible | Purchase | 70% | Single Family |
| DSCR-004 | Cash-Out Refi – Zero Points | 680+ | 1.1 – 1.2 | Cash-Out Refi | 80% | Single Family |
| DSCR-005 | Cash-Out Refi – No Seasoning | 620+ | No Minimum | Cash-Out Refi | 80% | Single Family |
No matching loan found. Contact us for a custom solution.
