DSCR — portfolio growth without personal income

10+

Jesse Monroy was extremely thorough with every detail from start to finish. He guided me in what scores on my credit were required to qualify for the best outcome. Overall a great job altogether. Give him a 10+.

FlorIndianapolis, IN

Top-notch!

Beeline did a top-notch job processing our mortgage. Makalee and Aiden were exceptionally professional, responsive and effective. I highly recommend this company!

SarahAsheville, NC

Very satisfied

Very satisfied… Chelsea went out of her way to help us.

HildaCharlotte, NC

Smoothest closing!

Beeline was the smoothest closing I've ever done!

JayneDeland, FL

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

What an amazing product!

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

TonyNashville, 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

2nd refi

This is the 2nd refi I have done with Beeline. My experience with them has been wonderful. Rob Floyd and Jamie Childress were very accessible and knowledgeable. Making closing very fast and easy. I will definitely be using them again and would recommend them to anyone...

ScottAugusta, GA

Really good!

Rob and Andrea did a really good job guiding us through the whole process.

SolomonColumbus, IN

Highly recommend!

I had a great experience refinancing my short term rental property with beeline. Highly recommend

DianellaFlorence, AL

Super easy

Working with Beeline was super easy and smooth. Mo and Aiden were awesome, knowledgeable, and responsive to all my questions! I would highly recommend them, and this was a great experience!

SashaWilliams, AZ

Stellar!

Thank you Chelsea and Jamie for providing us with an awesome DSCR loan experience! Your knowledge, communication and service were stellar!

MollyTempe, AZ

Best pricing

Chelsea gave me the best pricing. I shopped few places and no one could come close to meeting it.The experience after locking is amazing. Response to any question during the process got addressed. Loan closed in 4 weeks.

SatyaLafayette, IN

10+

Jesse Monroy was extremely thorough with every detail from start to finish. He guided me in what scores on my credit were required to qualify for the best outcome. Overall a great job altogether. Give him a 10+.

FlorIndianapolis, IN

Top-notch!

Beeline did a top-notch job processing our mortgage. Makalee and Aiden were exceptionally professional, responsive and effective. I highly recommend this company!

SarahAsheville, NC

Very satisfied

Very satisfied… Chelsea went out of her way to help us.

HildaCharlotte, NC

Smoothest closing!

Beeline was the smoothest closing I've ever done!

JayneDeland, FL

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

What an amazing product!

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

TonyNashville, 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

2nd refi

This is the 2nd refi I have done with Beeline. My experience with them has been wonderful. Rob Floyd and Jamie Childress were very accessible and knowledgeable. Making closing very fast and easy. I will definitely be using them again and would recommend them to anyone...

ScottAugusta, GA

Really good!

Rob and Andrea did a really good job guiding us through the whole process.

SolomonColumbus, IN

Highly recommend!

I had a great experience refinancing my short term rental property with beeline. Highly recommend

DianellaFlorence, AL

Super easy

Working with Beeline was super easy and smooth. Mo and Aiden were awesome, knowledgeable, and responsive to all my questions! I would highly recommend them, and this was a great experience!

SashaWilliams, AZ

Stellar!

Thank you Chelsea and Jamie for providing us with an awesome DSCR loan experience! Your knowledge, communication and service were stellar!

MollyTempe, AZ

Best pricing

Chelsea gave me the best pricing. I shopped few places and no one could come close to meeting it.The experience after locking is amazing. Response to any question during the process got addressed. Loan closed in 4 weeks.

SatyaLafayette, IN

10+

Jesse Monroy was extremely thorough with every detail from start to finish. He guided me in what scores on my credit were required to qualify for the best outcome. Overall a great job altogether. Give him a 10+.

FlorIndianapolis, IN

Top-notch!

Beeline did a top-notch job processing our mortgage. Makalee and Aiden were exceptionally professional, responsive and effective. I highly recommend this company!

SarahAsheville, NC

Very satisfied

Very satisfied… Chelsea went out of her way to help us.

HildaCharlotte, NC

Smoothest closing!

Beeline was the smoothest closing I've ever done!

JayneDeland, FL

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

Smoothest closing!

Strongly recommend

What an amazing product!

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?