DSCR Loan for Investment Properties | Investor Property Loans

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

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

Clear and smooth

Very clear and smooth process - very professional team.

ReySeal Beach, CA

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

3 loans done!

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

JaneenMaple Heights, OH

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

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

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

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

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

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

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

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

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

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

Clear and smooth

Very clear and smooth process - very professional team.

ReySeal Beach, CA

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

3 loans done!

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

JaneenMaple Heights, OH

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

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

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

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

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

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

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

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

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

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

Clear and smooth

Very clear and smooth process - very professional team.

ReySeal Beach, CA

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

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

Closed in under 3 weeks!

3 loans done!

Great service!

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

Close now and your next refi is free.*

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?

Beeline offers DSCR loans in