DSCR RENTAL
Long-Term Financing for Rental Properties.
At Turning Point Lending, our DSCR Rental loans provide permanent financing for rental properties. With flexible terms tailored to your strategy, we make it easy to grow and sustain your portfolio.
Competitive Rates
Boost your profits with our competitive rates and tailored DSCR Rental loan terms.
High Leverage
Keep your capital intact with financing of up to 80% LTV on our DSCR Rental Loans.
Flexibilty & Support
Diverse loan options and expert support help maximize your ROI and streamline the process.
Flexible Financing Built for Your Rental Investments.
Our DSCR Rental loans provide the flexibility needed to grow and sustain your portfolio. Whether you’re purchasing new properties, refinancing existing ones, or expanding into short-term rentals, this program offers competitive terms and options tailored to your strategy.
Rental DSCR Program Highlights
Loan Amount: $150,000 to $3,000,000
Up to 80% LTV on purchase & 75% LTV on cash-out
30-year fixed rates
Interest-only options
Single Family, Portfolio, and Short-Term Rental options available
No pre-payment penalty options available
No personal income requirements
Financing Built for Your Rental Portfolio
At Turning Point Lending, our DSCR Rental Loans are designed to simplify long-term financing for rental properties. With competitive rates, flexible terms, and no personal income requirements, we make it easy to grow and sustain your portfolio.
Our DSCR Rental Loans are ideal for investors utilizing the BRRRR method—Buy, Rehab, Rent, Refinance, Repeat. Whether you’re acquiring new properties, refinancing existing ones, or expanding into short-term rentals, our loans are structured to align with your strategy and maximize your earning potential.
With a focus on efficiency and transparency, we ensure a seamless process from application to funding. At Turning Point Lending, we’re here to provide the support and reliability you need to succeed in today’s rental market.
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DSCR Loans FAQ
Like the name of the loan product suggests, these loans are a Bridge to either a sale for profit or permanent financing. Like all of our products, from application to closing, your experience will be simple, efficient, and smooth.
DSCR is an acronym for Debt Service Coverage Ratio. And your DSCR ratio is derived by taking your monthly PITI (principle, interest, tax, & insurance) or PITIA and dividing it into your monthly rent. So, if your monthly PITI totals $1,250 and your monthly rent is $1,400, you would have a DSCR ratio of 1.12.
To qualify for a DSCR Loan, you need to have at least a 1.0 DSCR ratio. There is no maximum DSCR ratio. In fact, the higher your DSCR ratio, the better your loan pricing.
1-4 family and multifamily properties qualify. Property types that do not qualify are commercial properties, mixed use, and obviously, vacant land.
Yes. Single family homes need to have a tenant with a lease. 2-4 family properties can have only one vacant unit; all other units need to be tenant occupied.
DSCR is calculated by dividing the property’s net operating income (NOI) by the annual debt service (ADS). The NOI is the property’s income minus its operating expenses, and the ADS is the total amount of money that the borrower must pay each year to cover the loan payments.
A good DSCR ratio is typically between 1.25 and 1.50. However, the minimum acceptable DSCR ratio can vary depending on the lender and the property type.
DSCR loans can be a good option for borrowers who do not have a high income or who are looking for a loan that is not based on their credit score. They can also be a good option for borrowers who are looking for a loan for an investment property.
Maximize Your Commercial Real Estate Potential with Turning Point Lending’s DSCR Loans
Unlock the full potential of your commercial real estate investments with Turning Point Lending’s Debt Service Coverage Ratio (DSCR) Loans. Designed for long-term success, our DSCR loans consider your property’s cash flow potential, ensuring sustainability and profitability for your investments.
Competitive Rates and Flexible Terms
At Turning Point Lending, we are committed to your financial well-being, offering competitive interest rates and flexible terms. Whether you are purchasing, refinancing, or expanding your commercial property portfolio, our DSCR loans provide the financial stability you need to succeed in the competitive real estate market.
Nationwide Availability with Key Metropolitan Focus
Our DSCR Loans are available nationwide, serving property owners and investors in Pennsylvania, New Jersey, Delaware, and surrounding areas. Additionally, we cater to major metropolitan areas such as Houston, Texas; Philadelphia, Pennsylvania; Sarasota, Florida; Seattle, Washington; Tampa, Florida; Charlotte, North Carolina; and Clearwater, Florida. No matter where your commercial real estate ambitions lead you, Turning Point Lending is here to support your financial needs.
Your Partner in Commercial Real Estate Excellence
Turning Point Lending is dedicated to helping you unlock growth opportunities and maximize your return on investment with our DSCR loans. Elevate your commercial real estate ambitions with financing solutions meticulously tailored for your success. Your journey to commercial real estate excellence begins here, and we are with you every step of the way, no matter where you are in the country.
Experience the remarkable potential of Turning Point Lending’s DSCR Loans and take your commercial real estate ventures to new heights. Contact us today to learn more about how we can support your investment goals and ensure your long-term success.
