DSCR Rental Loans 

🏘️ DSCR Rental Loans at Cap One Lending

Flexible Private Lending for Long-Term and Short-Term Rentals

At Cap One Lending, we specialize in private lending for DSCR (Debt Service Coverage Ratio) loans—giving you direct access to in-house funds and a wide network of broker options. Whether you’re acquiring a new property or refinancing to scale your rental portfolio, we deliver tailored loan solutions built for real estate investors.

💡 What Is a DSCR Rental Loan?

A DSCR loan evaluates your property's ability to cover its own debt. Rather than relying on your personal income, qualification is based on the property’s cash flow—making this ideal for real estate investors looking to expand quickly.

A DSCR of 1.0 or higher means your property generates enough rental income to cover the monthly loan payment. Some of our programs allow for no ratio DSCR loans with strong compensating factors. Also ask about our Asset Depletion DSCR program that qualifies you for a lower interest rate. 

⚡ Why Investors Choose Cap One Lending

✅ Close in as little as 10 days 

✅ Broker access to shop for the best rates and terms

✅ No tax returns or income docs required

✅ Not reported on your personal credit

✅ Interest-only and fixed rate options available

✅ No limit on the number of rental properties owned

✅ Up to 40-year amortization with low down payment options

✅ Eligible for BRRRR method — potentially $0 down

🏡 Eligible Property Types

• Single-family residences (SFR)
• Duplexes, Triplexes, Fourplexes
• Townhomes
• Short-term and long-term rentals
• (All must be non-owner-occupied)

📋 Loan Criteria

📑 Required Documents

To get started, submit the following:

For Pre-Approval:

• Business/Entity Application (or personal if applicable)
• Driver’s License or Passport
• Entity Documents (EIN, Articles of Incorporation, Operating Agreement if applicable)

For Initial Term Sheet:

• Purchase Contract or Closing Statement
• Lease Agreement(s) or Short-Term Rental History (AirDNA or similar if applicable)
• Rent Roll (if more than one unit)
• Proof of Assets (bank or brokerage statements)
• DSCR Calculator (we can provide one)

For Final Approval:

• Title Work
• Insurance Binder
• Voided Check for ACH Setup
• Appraisal or AVM (dependent on loan size and program)

💬 Let’s Fund Your Next Rental Fast

We work with investors of all levels and offer a consultative approach to help you succeed. Whether you’re growing a long-term portfolio or flipping into rental holds, Cap One Lending gives you the advantage of private lending speed with broker-level flexibility.

📞 Apply Today or Call Us

Get preapproved in minutes and close in as little as 10 days.

📞 816-905-1111
🌐 APPLY HERE