DSCR Loans for Real Estate Investors

Build Long-Term Wealth with Cash-Flow-Focused Financing

At Arch Capital, we make long-term rental financing simple, predictable, and investor-friendly.

Our DSCR (Debt Service Coverage Ratio) Loans are designed specifically for real estate investors who want to qualify based on property performance — not personal income. Whether you’re holding a single-family rental or expanding a multi-unit portfolio, DSCR loans give you the flexibility and freedom to grow without traditional financing hurdles.

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What Is a DSCR Loan?

A DSCR loan measures a property’s ability to cover its debt payments using rental income. Instead of verifying W-2s or tax returns, lenders evaluate the property’s cash flow — known as the Debt Service Coverage Ratio — to determine qualification. For example, a DSCR of 1.25 means the property earns 25% more in rental income than its total loan payments, making it a strong candidate for financing.

This model is perfect for investors seeking scalable, no-income-verification loans for stabilized, income-producing properties. At Arch Capital, we’ve refined the process to make it faster, simpler, and entirely built around the needs of active investors.

Key Benefits of DSCR Loans

  • No Income Verification – Qualify based on the property’s rental income, not your personal earnings.
  • 30-Year Fixed or Adjustable Terms – Choose the structure that aligns with your investment goals.
  • Fast Approvals – Our streamlined process gets you to closing in days, not weeks.
  • Competitive Rates – Enjoy low, market-driven pricing designed for cash-flow stability.
  • Scalable Financing – Perfect for single properties or entire rental portfolios.

Property Types We Finance

Our DSCR loans cover a broad range of property types, including:

  1. Single-family rentals (1–4 units)
  2. Small multifamily properties (5–24 units)
  3. Short-term and vacation rentals
  4. Condos and townhomes
  5. Portfolios of multiple properties under one structure

No matter your investment strategy, our team tailors each loan to match your property type, location, and long-term goals.

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