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Get a DSCR Loan to Buy or Refi

Apply in less than 10 minutes
Grow your property empire
Move fast on good deals
Skip the paperwork - no W2s
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Pump your investment 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 600 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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Reviews

Lender love letters

I'll be back!

I can’t believe I am going to describe this as enjoyable. Everything about this was a positive experience with Beeline. I chose them after doing my own research and they exceeded expectations. Fast and helpful communications, a delightful team dynamic, many loan products at their disposal (including DSCR), and expert execution of the loan process. Also, everything was digital allowing me to complete steps while handling a busy schedule. Thank you Beeline! I’ll be back! Gail

GailLake Harmony, PA

Closed in under 3 weeks!

Makalee and the team at Beeline were amazing. I have bought and sold 100's of properties and the service they provided was extraordinary. I needed to close the loan in under 3 weeks and Makalee came through with room to spare. The service was impeccable and the fees were very reasonable. Would highly recommend Makalee and Beeline.

DavidHendersonville, NC

Can't wait to work with them again!

I just had the best lending experience that I have ever had. Ben Martin, & Jamie Childress were all great to work with. The entire process from the application to the closing was exceptionally speedy, efficient, and enjoyable. I can't wait to work with them again for other properties soon!

BrandonDallas, TX
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.

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.

Not sure?

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

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