DSCR — portfolio growth without personal income

10 stars!

I have used their service twice. If I could provide 10 stars, I would! Both experiences have been great!

MikalMontgomery, AL

Incredible!

Jamie & Chelsea are incredible when it comes to this! I will definitely be using their services moving forward and would recommend beeline to any investors!

JuanAurora, CO

Amazingly good!

Amazingly good service and ethics! Very committed to efficient and prompt service.

MarianaGreenville, NC

Could not have been better!

I have never experienced this level of service or attention in my life! My loan guide made the process of getting a loan so easy, I felt like I had a personal assistant doing the work for me! Great rates, great customer service, every concern addressed instantly. I cannot think of any way Beeline could have made my home purchase better!

NathanielProvidence, RI

I'll be using them again

Beeline has a great team and did an amazing job getting my loan closed. I will be using them again.

DanielMelbourne, FL

Closed within 15 days!

They really stepped up when I needed them into and were able to close within 15 days! Outstanding service would definitely use them.

CaseyWillow Park, TX

Awesome

They were awesome and easy to work with.

BrettSpring, TX

My go to lender!

Working with Beeline was one of the Best experiences we've ever had with a lender for our rental properties. The communication was Stellar. I never had to wait for a response to any of my email inquiries when I had them, which was rare because Chelsea and the whole team kept us in the loop throughout the entire transaction. I highly recommend Bee Line and they will be my go to lender moving forward.

SuzanneCocoa, FL

10/10

Beeline is a perfect example of tech making a process so much easier than years ago. I was really impressed with their seamless online platform and it made for a great experience. My processor, Makalee, knocked it out of the park. I gave her a mission to beat Rocket with closing my loan and she ran laps around the other guys. Will 10/10 use them again in the future!

AdamHouston, TX

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

Clear and smooth

Very clear and smooth process - very professional team.

ReySeal Beach, CA

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

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

Great experience

Great experience. Will use again.

JonLoudon, TN

They know what they're doing!

Mo Agrawal And Aiden Lerner were the best people to work with!!! So smooth and they truly know what they are doing with communication and helping

TalonYoungsville, LA

Terrific experience

Terrific experience with Beeline. Demi Cipolla was excellent guiding us through the process!

MihirNewport, KY

Great experience

Great experience throughout the loan process.

JulieAkron, OH

10 stars!

I have used their service twice. If I could provide 10 stars, I would! Both experiences have been great!

MikalMontgomery, AL

Incredible!

Jamie & Chelsea are incredible when it comes to this! I will definitely be using their services moving forward and would recommend beeline to any investors!

JuanAurora, CO

Amazingly good!

Amazingly good service and ethics! Very committed to efficient and prompt service.

MarianaGreenville, NC

Could not have been better!

I have never experienced this level of service or attention in my life! My loan guide made the process of getting a loan so easy, I felt like I had a personal assistant doing the work for me! Great rates, great customer service, every concern addressed instantly. I cannot think of any way Beeline could have made my home purchase better!

NathanielProvidence, RI

I'll be using them again

Beeline has a great team and did an amazing job getting my loan closed. I will be using them again.

DanielMelbourne, FL

Closed within 15 days!

They really stepped up when I needed them into and were able to close within 15 days! Outstanding service would definitely use them.

CaseyWillow Park, TX

Awesome

They were awesome and easy to work with.

BrettSpring, TX

My go to lender!

Working with Beeline was one of the Best experiences we've ever had with a lender for our rental properties. The communication was Stellar. I never had to wait for a response to any of my email inquiries when I had them, which was rare because Chelsea and the whole team kept us in the loop throughout the entire transaction. I highly recommend Bee Line and they will be my go to lender moving forward.

SuzanneCocoa, FL

10/10

Beeline is a perfect example of tech making a process so much easier than years ago. I was really impressed with their seamless online platform and it made for a great experience. My processor, Makalee, knocked it out of the park. I gave her a mission to beat Rocket with closing my loan and she ran laps around the other guys. Will 10/10 use them again in the future!

AdamHouston, TX

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

Clear and smooth

Very clear and smooth process - very professional team.

ReySeal Beach, CA

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

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

Great experience

Great experience. Will use again.

JonLoudon, TN

They know what they're doing!

Mo Agrawal And Aiden Lerner were the best people to work with!!! So smooth and they truly know what they are doing with communication and helping

TalonYoungsville, LA

Terrific experience

Terrific experience with Beeline. Demi Cipolla was excellent guiding us through the process!

MihirNewport, KY

Great experience

Great experience throughout the loan process.

JulieAkron, OH

10 stars!

I have used their service twice. If I could provide 10 stars, I would! Both experiences have been great!

MikalMontgomery, AL

Incredible!

Jamie & Chelsea are incredible when it comes to this! I will definitely be using their services moving forward and would recommend beeline to any investors!

JuanAurora, CO

Amazingly good!

Amazingly good service and ethics! Very committed to efficient and prompt service.

MarianaGreenville, NC

Could not have been better!

I have never experienced this level of service or attention in my life! My loan guide made the process of getting a loan so easy, I felt like I had a personal assistant doing the work for me! Great rates, great customer service, every concern addressed instantly. I cannot think of any way Beeline could have made my home purchase better!

NathanielProvidence, RI

Feature	DSCR Loan	Traditional Investment Property Loan
What It Is	DSCR = Debt Service Coverage Ratio (property’s rental income/debt)	Relies on your personal income to support loan payments
Approval	Based on rental income (no paystubs, no W-2s, no tax returns)	Based on personal income and DTI
Paperwork	Less— no tax returns, no personal income verification	Extensive documentation required
Investor-friendliness	Designed for real estate investors, LLCs, and corporations	Often more restrictive — favors individuals over entities
Title vesting	Close in your LLC or your personal name	Typically you cannot close in an LLC
Property use	Long and short term rental OK	Typically long-term rental only
Borrowing limits	No limit to number of properties you can own	Personal income caps how much you can borrow

Get a DSCR Loan to Buy or Refinance Your Investment Property

Trusted, rated, loved

Could not have been better!

I'll be using them again

Closed within 15 days!

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

Beeline DSCR vs traditional investment property loans

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