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.

Flexibility & 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 Designed for Your Rental Portfolio

Our DSCR Rental Loans are ideal for investors using the BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) or looking to acquire new properties, refinance existing ones, or expand into short-term rentals. We structure our loans to align with your investment strategy and help you maximize your cash flow and earning potential. 

With a focus on efficiency and transparency, our streamlined process ensures a smooth transition from application to funding. Turning Point Lending strives to provide the reliable financing and expert support you need to thrive in today’s rental market. 

Refinance & Repeat: Unlocking the Full Potential of BRRRR

Our DSCR Rental Loans are designed to support real estate investors using the BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) by providing seamless transition financing from short-term to long-term rental loans.

Start by acquiring the property with a Fix and Flip or Bridge Loan, which covers both the purchase and renovation costs. Once the rehab is complete and the property is stabilized with tenants, you can refinance into a long-term DSCR Rental Loan at a competitive rate. This allows you to pull out equity through cash-out refinancing, giving you the capital to reinvest into your next BRRRR property while keeping your rental portfolio growing.

DSCR Loans - Turning Point Lending - Refinance & Repeat: Unlocking The Full Potential Of BRRRR

Funding Projects Nationwide

We evaluate lending opportunities individually, so contact us to see how we can support your project.

Talk To An Expert

TestimonialsWhy do our Borrowers love Turning Point Lending?

Excellent5.012 reviews
5.0
Excellent12 reviews
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Karis Rouse profile picture
Karis Rouse
28 May 2026
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Outstanding Lender!! There team is very knowledgeable and fast. Thier service os impeccable. I would highly recommend them to anyone looking for funding.
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Robert Smith profile picture
Robert Smith
12 May 2026
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+0
Jim met my needs even though he knew my needs would cause him alot more work. He is meticulous on his end and focussed on making my borrowing easy. It was simple to build a relationship with him amd his team. Having 1 point of contact makes everything work much smoother. I have already begun recommending him to my friends in the building business.
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ron eicholtz profile picture
ron eicholtz
12 May 2026
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Jim and team are wonderful to work with. They clearly presented us with multiple financing options and were easy to work with.
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pierre maree profile picture
pierre maree
30 July 2025
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I have been flipping and investing in rentals with Turning Point Lending as a lending partner for a while. Every transaction has been successful and went though without any issues. Jim Dougherty is a pleasure to deal with. Not only is he very honest and professional, he also has many years of industry knowledge and experience and he is one of the best to consult with on your projects. They have a very streamlined online application and loan managment system that is hassle free. Its great doing business with Jim and his team. Pierre Maree
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Courtney K profile picture
Courtney K
30 July 2025
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I could not recommend Turning Point more for investors who want to simplify real estate. Both Jim & Scott are extraordinarily knowledgeable, being backed by years of industry experience themselves before being lenders. As a client of theirs not only do I get advice and mentorship on things that I may be a bit weak on, but my lender genuinely has my back in ensuring we’re all making smart investments. The lending process with Jim & Scott is incredibly simple and they work WITH you rather than against you. They work cohesively alongside different title companies and agents. I’d give them more than 5 stars if I could!
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Clay Packel profile picture
Clay Packel
10 December 2024
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One of the most seamless lending experiences in my career. Highly recommend Turning Point to any real estate investor big or small. They know what they're doing and will take care of you like true professionals.
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Andrew winans profile picture
Andrew winans
6 December 2024
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Working with Jim Dougherty and Turning Point Lending was fantastic! They were professional, efficient, and made the funding process for my investment property seamless. Jim’s expertise and guidance were invaluable, ensuring everything was handled smoothly and on time. Highly recommend them for any real estate financing needs!
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Darko Radojcic profile picture
Darko Radojcic
2 December 2024
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I recently worked with Turning Point Lending to secure a bridge loan for a real estate transaction, and my experience was excellent from start to finish. The application process with Turning Point Lending was quick and straightforward. Their online application portal was intuitive, and I was able to upload all the required documents with ease. Their team guided me through each step and made sure I understood what was needed. Their rates were reasonable for the short-term nature of the loan, and there were no hidden fees, which was a huge relief. They took the time to explain the repayment schedule and all the costs involved upfront, so there were no surprises. Claire, the loan officer I worked with was always available to answer questions and offered clear, practical advice. They were very responsive via phone and email. Overall, I had a great experience with Turning Point Lending. They made the entire bridge loan process smooth and stress-free, and I felt supported throughout. Whether you’re looking to bridge a gap in real estate or need short-term financing, I highly recommend Turning Point Lending for their professionalism, competitive rates, and efficient service.
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Al Ferraguti profile picture
Al Ferraguti
31 October 2024
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I have done 4 deals (so far) with Scott and Jim and they have been great to work with. They are professional, know their products and offer great rates and low fees on their DSCR loan. My loans haven't always been easy and they have gone above and beyond to make sure I was completely satisfied. I would highly recommend you check them out for your next investment loan; you won't be disappointed.
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Robert Stranix profile picture
Robert Stranix
22 October 2024
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great hard money lender with excellent rates on Dscr loans too.
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DSCR Rental FAQ

Financing rental properties shouldn’t be complicated. DSCR Rental Loans provide a simplified, long-term financing solution for real estate investors by focusing on a property’s income potential rather than personal income verification. Below, we answer some of the most common questions about how these loans work and how they can benefit your rental investment strategy. 

A DSCR (Debt Service Coverage Ratio) Rental Loan is a long-term financing solution designed for real estate investors who want to acquire or refinance rental properties. Instead of evaluating the borrower’s personal income, lenders assess the property’s ability to generate sufficient rental income to cover debt payments and property expenses—this is known as the Debt Service Coverage Ratio (DSCR). 

The DSCR formula is simple. DSCR = Rental Income ÷ (Mortgage Payment + Property Taxes + Insurance + HOA Fees, if applicable). In short, a DSCR of 1.0 means the property breaks even. Above 1.0 means positive cash flow while below means no positive cash flow. In that latter instance, additional reserves, a lower loan amount, or a higher down payment would be necessary to make things work.  

 The requirements for a DSCR Rental Loan vary by lender, but private lenders focus on the property’s income potential and debt service coverage ratio (DSCR) rather than personal income. Here are the most common criteria: 

  • Property Type – Must be a non-owner-occupied residential investment property, including single-family homes, condos, townhomes, or multi-unit properties. 
  • Debt Service Coverage Ratio (DSCR) – Most lenders require a minimum DSCR of 1.0 to 1.25, meaning the property must generate enough rental income to cover mortgage payments, taxes, insurance, and HOA fees (if applicable). 
  • Loan-to-Value (LTV) – Lenders typically finance up to 80% of the property’s value for purchases and up to 75% for refinances. 
  • Credit Score – A minimum credit score of 640 to 680 is preferred, but requirements vary based on LTV and DSCR strength. 
  • Reserves & Liquidity – Some lenders require cash reserves to cover several months of mortgage payments. 

Turning Point Lending’s flexible, investor-friendly DSCR Rental Loans are designed to help you secure long-term financing and grow your rental portfolio with ease. 

The cost of a DSCR Rental Loan depends on several factors, including loan amount, interest rate, loan term, and lender fees 

Here’s a breakdown of typical costs: 

  • Interest Rates – Typically range from 7% to 10%, depending on loan structure, DSCR ratio, LTV, and borrower credit profile. 
  • Points (Origination Fees) – Usually 1 to 3 points (1% to 3% of the loan amount). 
  • Loan Term – Most DSCR Rental Loans offer fixed-rate term of 30 years. 
  • Loan-to-Value (LTV) – Lenders typically finance up to 80% for purchases and up to 75% for refinances. 
  • Other Fees – May include processing fees, appraisal fees, and closing costs. 

Speed is essential when securing a DSCR Rental Loan, especially in competitive real estate markets. While traditional lenders may take more than a month to approve financing, private lenders offer a faster and more efficient process designed specifically for real estate investors. 

  • Pre-Approvals – Borrowers can receive pre-approval within 24 to 48 hours after submitting a loan application. 
  • Loan Closings – Once approved, loans can close in as little as 14 to 21 days, depending on deal complexity. 

Our streamlined underwriting and investor-focused process allow you to secure long-term financing quickly, so you can focus on scaling your rental portfolio without delays. 

Yes, DSCR Rental Loans can be used to finance short-term rental properties, including those listed on Airbnb, Vrbo, and other vacation rental platforms.  

  • Eligible Properties – Single-family homes, condos, townhomes, and multi-unit properties that comply with local short-term rental regulations. 
  • Rental Income Consideration – Some lenders may use actual short-term rental income based on market performance, while others use long-term rental projections. 
  • Loan Terms – Typically 30-year fixed-rate, with up to 80% LTV for purchases and 75% LTV for refinances. 

At Turning Point Lending, we offer DSCR Rental Loans designed to help investors finance, expand, and scale their short-term rental portfolios with ease. 

Yes, DSCR Rental Loans are a great way to refinance existing rental properties, whether you’re looking to lower your interest rate, extend your loan term, or pull cash out for future investments. 

There are two options for this scenario, Rate & Term Refinance or a Cash-Out Refinance. A Rate & Term Refinance allows investors to replace their existing loan with a new DSCR loan, often with better terms and a fixed-rate structure. A Cash-Out Refinance means investors can access built-up equity in the form of capital for new acquisitions, property improvements, or portfolio expansion. 

We provide DSCR Rental Loans designed specifically for real estate investors looking to scale their rental portfolios without personal income verification. Our streamlined process, competitive rates, and flexible loan terms make securing long-term financing simple and efficient. 

  • Fast Pre Approvals & Closings – Get pre-approved within 24 to 48 hours and close in as little as 14 to 21 days. 
  • Flexible Loan Structures – Financing options for long-term rentals, short-term vacation rentals, and multi-property portfolios. 
  • No Personal Income Requirements – Loan approval is based on rental income and property cash flow, not tax returns or W-2s. 
  • Industry Expertise – As real estate investors ourselves, we understand the challenges of rental property financing and structure loans to help you maximize cash flow and long-term wealth.