DSCRLensEducation
DSCR Cash-Out Refinance, No Seasoning: How It Works
DSCR cash-out refinance with no seasoning is real — but the LTV is capped at cost basis, not after-repair value. Here's what actually funds.
May 10, 2026 · 11 min read
The Guides
DSCR Loan Guides
Honest, technical guides on DSCR loans, lender selection, and deal structuring. Written by an operator, not a lender.
Education
DSCR Loan 90% LTV: What Lenders Actually Approve
90% LTV DSCR loans are advertised everywhere — but most close at 80–85%. Here's what really qualifies, who gets approved, and the rate premium.
May 10, 2026 · 10 min read
Education
DSCR Loan for Multifamily Property: The 5-Unit Cliff
Multifamily DSCR loans for 5+ units aren't just bigger residential loans — they shift to commercial underwriting, NOI math, and tighter terms.
May 10, 2026 · 11 min read
Education
DSCR Loan for New Construction: The Take-Out Reality
DSCR loans don't fund construction — they refinance the construction loan after C of O. Here's how the two-loan structure actually works.
May 10, 2026 · 11 min read
Education
Can You Refinance a DSCR Loan? When the Math Works
Yes — but only after the rate-save clears the prepay penalty, closing costs, and remaining hold. Here's how to run the math before refinancing.
May 9, 2026 · 13 min read
Education
How Many DSCR Loans Can You Have? The Real Limits
There's no legal cap on DSCR loans — but per-lender exposure limits, guarantor UPB caps, and pricing overlays create a real ceiling most articles skip.
May 9, 2026 · 13 min read
Education
DSCR Loan With No Down Payment: The Honest Answer
Zero-down DSCR loans don't exist. Here's the legit way to minimize cash to close — gift funds, equity recycling, hard-money refis — without the scams.
May 6, 2026 · 13 min read
Education
DSCR Prepayment Penalty: What Lenders Don't Tell You
Every DSCR loan has a prepayment penalty. Here's how the 5/4/3/2/1 and 3/2/1 structures work, what they actually cost, and how to pick the right one.
May 6, 2026 · 14 min read
Education
DSCR Refinance: Rate-and-Term or Cash-Out, Compared
A DSCR refinance comes in two flavors: rate-and-term and cash-out. Here's how to pick the right one — including the prepay trap most guides miss.
May 6, 2026 · 13 min read
Comparison
Is a DSCR Loan a Conventional Loan? No — Here's Why
A DSCR loan isn't a conventional loan — it's a non-QM product underwritten on the property, not on you. Here's what that actually changes.
May 6, 2026 · 14 min read
Education
DSCR Loan for Airbnb: How Short-Term Rentals Actually Qualify
A DSCR loan for an Airbnb or short-term rental qualifies the property's projected income — not yours. Here's how lenders run STR-specific underwriting.
May 4, 2026 · 13 min read
Education
DSCR Loan for Investment Property: How a Rental Qualifies
A DSCR loan for investment property qualifies the rental's income, not yours. Here's what counts, how lenders run the math, and what you can borrow.
May 4, 2026 · 13 min read
Education
DSCR Cash-Out Refinance: How to Pull Equity Without Income Docs
A DSCR cash-out refinance lets you access rental property equity without W-2s or tax returns. Here's how it works, what it actually costs, and when not to do it.
May 3, 2026 · 13 min read
Education
DSCR Loan Down Payment: How Much You Actually Need
DSCR loan down payments are typically 20–25%, but the right number isn't always the minimum. Here's how down payment affects your rate, DSCR, and deal structure.
May 3, 2026 · 11 min read
Education
DSCR Loan for LLC: How to Close in an Entity
DSCR loans are designed for LLC ownership — but most investors misunderstand what the LLC actually protects. Here's how to structure and close a DSCR loan in an entity.
May 3, 2026 · 11 min read
Education
DSCR Loan Pros and Cons: An Honest Breakdown
DSCR loans have real advantages and real costs. Here's an honest breakdown — including the cash flow trap most guides don't mention.
May 2, 2026 · 12 min read
Education
DSCR Loan Requirements: What Lenders Actually Check
The DSCR loan requirements checklist is just the entry ticket. Here's what lenders actually check — and what determines your rate once you qualify.
May 2, 2026 · 16 min read
Education
How to Calculate DSCR: The Formula Lenders Actually Use
Most DSCR guides give you one formula. Lenders use a different one. Learn the PITIA method, see the worked example, and know where your deal stands.
May 2, 2026 · 12 min read
Education
What is a DSCR Loan? A BRRRR Investor's Honest Guide
DSCR loans explained by someone who's actually used them to build a $4M portfolio — how they work, how lenders calculate DSCR, and who qualifies.
April 28, 2026 · 8 min read