DSCR — portfolio growth without personal income

Fantastic experience

We recently closed with Beeline using their Equity product and had a fantastic experience. TJ was exceptional to work with—his communication was top-notch, he was proactive in problem-solving, and genuinely great to work with throughout the entire process. I highly recommend reaching out to TJ if you’re exploring options to access equity from your property.

AllysonBarrington, IL

Beeline will be our go to company!

Believe it or not being self-employed was pretty difficult at first, finding a company that is willing to go over and above the norm to help you refinance your house. my wife and I were getting very frustrated until we came across Beeline. Doug, our loan guide was very knowledgeable. Very good at explaining things to us and helped us through the entire process. I could definitely say in the future if we were ever looking to refinance or need a mortgage for investment property, Doug will be our go to guy and Beeline will be our go to company. Thanks so much for everything.

Bob & BrendaFeasterville Trevose, PA

So glad I went with Beeline!

So glad I went with Beeline. They had better rates than 3 other lenders, some great tech to guide me along the process, and the people were absolutely fantastic. Thanks to Ethan and Jamie for their professionalism. Highly recommended tam and company!

ReaganLawrence, KS

Self employed

Being self employed I thought it would be impossible to get a loan but Rob Floyd at beeline loans made it possible! Now I’m able to by my dream home with a bank statement loan. I’m going to highly recommend beeline loans to anyone I know that needs them. And hopefully I’ll be able to use them on my summer house 🙂 great experience, great people.

CodyMountain Top, PA

Mo was great

Mo was great and the process was painless and convenient.

MichaelAtlanta, GA

10 stars!

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

MikalMontgomery, AL

Simple, easy and affordable

Super happy with my refinance through Beeline. Simple, easy, and affordable -- even for a self-employed borrower like myself!

AlySpring, TX

Friendly and reliable

My experience with Beeline was a Godsend. My processor, Abigail Chester was amazing and super helpful, friendly and reliable through the whole process. She worked hard to get me the best rate possible and made sure she held my hand every step of the way. I'm blessed to have worked with her.

MikePorter Ranch, CA

Clear, efficient and supportive

The process was clear, efficient and supportive. The Team got it done when others couldn't.

LawrenceDetroit, MI

Smooth and fast!

Abi was super knowledgeable, kept me in the loop daily, and made my loan process super smooth and fast. Thank you!

PriceFolly Beach, SC

No stress

Alex and Megan made the refinance process easy, seamless and no stress. We had so many questions and they were able to answer everything in a way that made total sense. We feel confident in our decision to refinance our home and are so grateful we were able to do it with such great guidance and ease.

KristinaYucca Valley, CA

What an amazing product!

What an amazing product! Incredible Team! Highly recommend as a way to put your equity to work!

TonyNashville, TN

Strongly recommend

Beeline Equity delivered an exceptional experience from start to finish. Their product offering is truly differentiated, and the team was highly responsive, taking the time to clearly walk through every step of the process. The level of customer service was outstanding throughout. I would strongly recommend them.

JoeNashville, TN

3 loans done!

Good job Rob!! 3 loans done can't wait for the next one!

JaneenMaple Heights, OH

Can’t thank you enough

Working with Beeline to refinance was a very pleasant experience. We were dreading the hassle, but Mo and Aiden made it smooth and painless. Can’t thank you both enough.

Alan & AmyJohnston, RI

Great service!

Ethan and our processor Jamie were amazing to work with. They helped me with a DSCR for a 6 unit building. Closed within 2 months. We are now working on closing a 4 unit building together. I’ve worked with multiple lenders and can tell you, Ethan will take your calls when you have questions and keep you informed throughout the entire process. Jamie is on it! She will tell you what she needs in order to get you to the closing table, if you’re busy like me and miss something.. she will remind you and I loved that. Very persistent, and you want your processor to have this characteristic in order to have things done quickly. They have gained a loyal customer! Great service!

GenesisRockford, IL

Saved us $600 a month!

Just returned as a second time customer to Rob at Beeline upon a refi recommendation. He caught rates at their lowest point in years, notified us, and had the rate locked by the end of the same day to save us almost $600/month. Once again a great experience made easy by Rob and his team. 6 stars.

RyanCharlotte, NC

Fantastic team

Beeline made the process seamless and explained everything perfectly!! Would definitely use them again! Chris and Jamie were a fantastic team to work with on my loan needs and I couldn’t recommend them enough!

MordecaiDahlonega, GA

Fantastic experience

We recently closed with Beeline using their Equity product and had a fantastic experience. TJ was exceptional to work with—his communication was top-notch, he was proactive in problem-solving, and genuinely great to work with throughout the entire process. I highly recommend reaching out to TJ if you’re exploring options to access equity from your property.

AllysonBarrington, IL

Beeline will be our go to company!

Believe it or not being self-employed was pretty difficult at first, finding a company that is willing to go over and above the norm to help you refinance your house. my wife and I were getting very frustrated until we came across Beeline. Doug, our loan guide was very knowledgeable. Very good at explaining things to us and helped us through the entire process. I could definitely say in the future if we were ever looking to refinance or need a mortgage for investment property, Doug will be our go to guy and Beeline will be our go to company. Thanks so much for everything.

Bob & BrendaFeasterville Trevose, PA

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

DSCR — portfolio growth without personal income

Trusted, rated, loved

Fantastic experience

Beeline will be our go to company!

So glad I went with Beeline!

Self employed

Mo was great

10 stars!

Simple, easy and affordable

Friendly and reliable

Clear, efficient and supportive

Smooth and fast!

No stress

What an amazing product!

Strongly recommend

3 loans done!

Can’t thank you enough

Great service!

Saved us $600 a month!

Fantastic team

Fantastic experience

Beeline will be our go to company!

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

Fancy a free refi?*

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

Commonly asked questions about our DSCR loans

What is a DSCR loan?

What does DSCR stand for?

Why are DSCR loans popular with investors?

How does a DSCR loan work?

What are the requirements for a DSCR loan?

What credit score is required for a DSCR loan?

How long does it take to get a DSCR loan?

What is the maximum LTV for a DSCR loan?

Do DSCR loans have prepayment penalties?

How is DSCR calculated?

Can you use DSCR loans for short-term rentals (Airbnb)?

Can you refinance a DSCR loan?