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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
As seen in
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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 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.
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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

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

Clear and smooth

Very clear and smooth process - very professional team.

ReySeal Beach, CA
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

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

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

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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