Coverage
DSCR loan types
Six major DSCR loan structures — each with distinct qualification, LTV, and strategy use cases. Pick the structure that matches your exit.
15-Year Fixed
DSCR 15-year fixed loans: lower rate, faster equity, but a higher monthly payment that reduces DSCR. Who benefits, who should avoid it, and how the math works.
Open guide30-Year Fixed
Why the 30-year fixed is the most popular DSCR product: mechanics, rate tiers, vs ARM trade-offs, prepayment structures, and who it fits best in 2026.
Open guide40-Year Amortization
40-year amortization on DSCR loans: lower payment, DSCR boost, rate premium, lenders who offer it, and whether the trade-off makes sense for your deal.
Open guideAdjustable-Rate (ARM)
DSCR ARM products explained: 5/1, 7/1, and 10/1 caps, index and margin mechanics, initial savings vs. adjustment risk, and when the ARM beats the 30-year fixed.
Open guideBridge to DSCR
How the bridge loan to DSCR refinance workflow works: bridge loan mechanics, stabilization requirements, timing, BRRRR application, and lenders that offer both products.
Open guideCash-Out Refinance
DSCR cash-out refinance 2026: LTV limits, seasoning rules, tax impact, delayed financing, and when the math actually pencils — pull equity without selling.
Open guideInterest-Only
Interest-only DSCR loan guide: 10yr IO + 20yr amortization structure, DSCR recalculation rules, rate premiums, recast risk, and when IO pays off.
Open guideNo-Ratio
No-ratio DSCR loans skip rental income verification. Who qualifies, lenders that offer them, rate premiums, and when no-ratio beats a standard DSCR.
Open guidePortfolio / Blanket
Blanket DSCR loans finance 5+ rentals under one note. Blended DSCR, release provisions, lender landscape, and when portfolio beats standalone financing.
Open guidePurchase
Everything real estate investors need to know about using a DSCR purchase loan — LTV limits, rent schedule requirements, closing timelines, and offer strategy.
Open guideRate-and-Term Refinance
Use a DSCR rate-and-term refinance to lower your rate, escape a prepayment window, or swap ARM to fixed. LTV, DSCR, seasoning, and breakeven math explained.
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