Google 4.7

DSCR — portfolio growth without personal income

Apply in less than 10 minutes
More loan types
Get loan options fast
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Why go with us?

Use the rental income, not your personal income — get it done, then onto the next one

Tailored DSCR application

Tailored DSCR application

We don’t cram you down the normal path and ask you for personal income and W2s — so you’re done in less than 10 minutes.

More DSCR loan types

DSCR options to suit different situations if you want to qualify with the property’s rent.

Get clarity faster

You’ll get a reliable approval and loan options in quick time, so you can work out your ROI right then and there.

Fast, stress-free closing

Your Loan Guide and Beeline Tracker make sure there’s less back and forth and you’re always in the loop.

Watch the shortest path to DSCR

If applying in 10 minutes sounds too good to be true, watch it unfold in this quick video.

Reviews

Lender love letters

Would totally work with Beeline again.

Fast and Responsive! Everyone at Beeline was helpful and the process went smoothly. They quickly responded to all of my questions, and provided the best rates I could find. Would totally work with Beeline again. Thanks Alex!

EarlChicago, IL

5 star team!

I was looking to get financing on a property that I owned. I checked out several online mortgage sites and ended up selecting Beeline. Having never used an online service I started out a bit skeptical. It turned out to be a wonderful and easy process from start to finish. Every person that I spoke with was helpful and knowledgeable. Even when an unusual problem arose through no fault of Beeline they worked quickly and had it resolved in a few hours. I was especially grateful to the help I received from Mo Agrawal, Aiden Lerner and Cody Sellers. All three were 5-star and greatly appreciated.

MikeCincinnati, OH

Great to work with

Beeline was great to work with. Makalee was very responsive and helpful through the process. I bought my 3rd property with Beeline and will most definitely call Makalee for my next one!

ThomasQuincy, MA
Pump your portfolio

There’s no limit to the number of properties you can own — your income won’t restrict you

  • Minimum 20% down payment
  • Credit score of 660 and up
  • Long and short term ok
  • 12 months’ rental or mortgage history
  • You can only grow your portfolio so much using personal income. So why not spread your wings and get into the world of DSCR?
  • Conventional loans rely on your personal income to support loan payments — so after a couple of properties, you max out your ability to borrow.
  • DSCR stands for Debt Service Coverage Ratio. The R is the ratio of the property’s gross rental income/debt. Debt includes principal + interest + tax + HOI. The higher the ratio the lower the interest rate.
  • While DSCR loans have advantages, rates are slightly higher so if you’re not maxed with other properties, a conventional loan may be better. We’ll help you decide.
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Not sure?

Chat to a Loan Guide about the shortest path to your DSCR loan

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