Commercial Real Estate
Purchase, refinance and development financing.
Learn moreUS lead product · Real estate
DSCR / Rental Loans
Long-term investor loans qualified on property cash flow.
$100k – $3M30 years (fixed & ARM)3 – 4 weeks
- No personal income docs
- LLC vesting allowed
- Unlimited property count
What is dscr / rental loans?
DSCR loans are 30-year investor mortgages qualified on the subject property's cash flow (rent ÷ PITIA) instead of the borrower's personal income. That makes them the standard product for full-time investors and those with complex tax returns.
The refinance cycle from a hard money loan into a DSCR permanent loan produces natural cross-sell for lenders operating in both.
Product mechanics
Key numbers your BDO team should know before the first call.
- Loan range
- $100k – $3M
- Typical term
- 30 years (fixed & ARM)
- Indicative rates
- 7% – 9% (indicative)
- Funding speed
- 3 – 4 weeks
- Typical borrower
- Buy-and-hold real estate investors scaling rental portfolios.
- Why brokers want these
- Investors refi and expand annually, long-tail revenue per lead.
Common use cases
- Refinancing fix & flip into long-term rental
- Cash-out to acquire the next property
- Portfolio consolidation loans
- Short-term rental (STR / Airbnb) financing
Typical borrower qualifications
- Sponsor FICO 680+
- Property DSCR ≥ 1.00 (some programs 0.75)
- 20–25% down for purchase
Why brokers buy from us
Why real estate brokers buy dscr / rental loans leads from us
What makes this feed different from generic aggregator flow.
Market rent captured so DSCR calculation is done before the sponsor call
STR / Airbnb flag routes short-term rental files only to STR-capable lenders
LLC vesting preference disclosed, no wasted files for lenders who don't allow LLC title
Compare
How dscr / rental loans compares to adjacent products
Help your team route enquiries to the right product on day one.
vs Fix & Flip / Hard Money
Fix & flip is 6-24mo bridge for value-add; DSCR is 30-year perm for stabilized rentals. Natural refi cycle.
View Fix & Flip / Hard Moneyvs Commercial Real Estate
DSCR is 1-4 unit residential investor product; CRE handles 5+ unit multi-family and true commercial.
View Commercial Real Estatevs Conventional Rental Mortgage
Conventional requires personal income docs and caps at 10 properties; DSCR is no-doc with unlimited property count.
Our lead generation process
How we generate dscr / rental loans leads
Every enquiry is captured, consented and vetted before it reaches your CRM.
Source channels
- SEO for 'DSCR loan', 'no doc rental loan' and STR / Airbnb financing content
- BiggerPockets, REI community and buy-and-hold podcast partnerships
- Google Search Ads on 'DSCR loan [state]' and 'refinance rental property no income'
- Cross-sell from funded fix & flip borrowers at project completion
Data captured on each lead
- Property address, purchase price / current value and monthly market rent
- Loan purpose (purchase, rate/term refi, cash-out refi, STR)
- Sponsor FICO band, portfolio size (# of doors) and vesting preference (personal vs LLC)
- Property type (SFR, 2-4 unit, condo, STR / Airbnb)
- Foreign-national status where applicable
Vetting workflow
- Sponsor FICO 680+ default gate (adjustable per buyer)
- DSCR floor filter (1.00 default, 0.75 available for specialist programs)
- STR / Airbnb use flagged separately for STR-capable lenders
- Foreign-national status disclosed for foreign-national programs
- TCPA + CAN-SPAM consent
What a lead looks like
Verified enquiry
$100k · DSCR / Rental Loans
LLC · US-based · phone-verified decision-maker · TCPA consent on file
- Property address, purchase price / current value and monthly market rent
- ✓
- Loan purpose (purchase, rate/term refi, cash-out refi, STR)
- ✓
- Sponsor FICO band, portfolio size (# of doors) and vesting preference (personal vs LLC)
- ✓
- Property type (SFR, 2-4 unit, condo, STR / Airbnb)
- ✓
Who this suits & how we qualify
Best fit for
Non-QM lenders, private lenders and correspondent brokers with DSCR programs.
Qualification standard
- Sponsor FICO 680+ default gate (adjustable per buyer)
- DSCR floor filter (1.00 default, 0.75 available for specialist programs)
- STR / Airbnb use flagged separately for STR-capable lenders
Turnaround
Fresh, consent-captured enquiries delivered to your CRM inside your agreed response window.
Broker FAQs
Common questions from buyers of dscr / rental loans leads.
Related products
Other real estate lead flows we supply.
Fix & Flip / Hard Money
Short-term real estate investor bridge loans.
Learn moreConstruction Loans
Ground-up and heavy rehab construction financing.
Learn moreReady for vetted DSCR / Rental Loans enquiries?
Tell us your credit box and volume, we'll come back within one business day.