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.
30-Year Fixed
30-year fixed DSCR loan rates, mechanics, vs ARM trade-offs, prepayment structures, and who the product fits best in August 2026.
40-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.
Adjustable-Rate (ARM)
DSCR ARM rates vs 30-year fixed in August 2026: 5/1, 7/1, and 10/1 savings, SOFR caps, adjustment risk, and when an ARM beats fixed for rental investors.
Bridge 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.
Cash-Out Refinance
A DSCR cash-out refinance pulls equity without selling the property. This page covers LTV limits, seasoning, taxes, and delayed financing.
Interest-Only
Interest-only DSCR loan guide: 10yr IO + 20yr amortization structure, DSCR recalculation rules, rate premiums, recast risk, and when IO pays off.
No-Ratio
A no-ratio DSCR loan skips rental-income documents and a minimum DSCR. Qualification uses credit, reserves, LTV, and the property.
Portfolio / Blanket
Portfolio DSCR loans (blanket mortgages) finance 5+ rentals under one note. Blended DSCR, release provisions, lender landscape, and when a portfolio loan beats standalone financing.
Purchase
Everything real estate investors need to know about using a DSCR purchase loan — LTV limits, rent schedule requirements, closing timelines, and offer strategy.
Rate-and-Term Refinance
Yes — you can refinance a DSCR loan with rate-and-term or cash-out. Seasoning (often 3–6 months), LTV, DSCR floors, PPP costs, and breakeven math explained.