DSCR rental loans

Your rental qualifies on its rent. Not your tax returns.

Nine answers, no documents, and a real range on screen. A loan officer confirms it the same day.

Qualification is based on the property's rent for this program
Close in your LLC or your name
Usually 2 to 3 weeks to fund

Step 1 of 9 • 11%

What type of investment property are you looking for?

This helps us find the right investor loan programs for you.

home

Single Family Home 1 unit, detached or attached

apartment

Condominium Warrantable or non-warrantable

holiday_village

Multi-Family (2-4 units) Priced on total rent

Are you buying or refinancing?

DSCR loans work for both purchases and refinances of investment property.

key

Buying a new property

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Refinancing one I already own

What's the estimated monthly rent?

Your best guess is fine — the actual rental figure is confirmed later when the property is appraised. This does not compute a DSCR ratio.

Estimated Monthly Rent ($)

Gross monthly rent you expect the property to generate.

What's the estimated property value?

It's OK to estimate — you can update this later.

Purchase Price or Current Value

Will you close in an entity?

Many investors hold investment property in an LLC, corporation, or trust for liability protection.

corporate_fare

Yes — LLC, corporation, or trust

person

No — in my personal name

Tell us about the entity

We'll use this to title your loan documents correctly.

Entity Name

What's your estimated credit score?

Just your best guess — this won't affect your credit.

star

Excellent (740+)

thumb_up

Good (680 - 739)

thumbs_up_down

Fair (620 - 679)

build

Needs Work (below 620)

When are you looking to move forward?

This helps us prioritize your application.

bolt

ASAP — ready now

event

1-3 months

date_range

3-6 months

explore

Just exploring

Where can we reach you?

We'll send your investor loan options here.

First name

Last name

Email Address

Phone Number

I agree to receive recurring SMS text messages from Visto Mortgage LLC — loan updates, account notifications, and customer-care messages — at the number I provide, including messages sent using automated technology. Consent is not a condition of any purchase or loan. Message frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help.

Your mobile information will not be sold or shared with third parties for promotional or marketing purposes. See our Privacy Policy and SMS Terms & Conditions .

No credit pull until you say so

How we read the deal

Rent divided by the full payment is the DSCR. Above 1.0 the property pays for itself. Around 1.25 you get the best pricing.

Example: $3,400 rent ÷ $2,760 payment DSCR 1.23

0.75 1.0 breaks even 1.25 best tier 1.5+