DSCR loans - use the rental income, not your personal income

Why go with us?

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

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.

Use DSCR to get cash out

If there’s a lease there’s probably cash sitting in there — a downpayment to buy another property or maybe do some repairs and increase the 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.

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.

Use DSCR to get cash out

Get clarity faster

Fast, stress-free closing

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

Katie and Corina were great

Katie and Corina were great. Really appreciate it!

TevaLenox, MA

Excellent experience

Excellent experience. Streamlined, efficient, questions and concerns were explained and resolved immediately.

DonnaBel Air, MD

Looking forward to the next!

As always, it’s a pleasure working with Mo Agrawal and Aiden Lerner @ Beeline. Yet another successful and SMOOTH transaction. Looking forward to the next! Thank you, Mo & Aiden.

OmarPhiladelphia, PA

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 640 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.