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Ever wondered how these 23
year-old prodigies can own 20 properties?
Meanwhile you’re stranded on one — trying for two but getting rejected by lenders.
The answer is DSCR.
DSCR (debt service coverage ratio) loans are evaluated based on the property’s rental income, not the applicant’s personal income.
So your portfolio’s growth isn’t constrained by your personal income and there’s no limit to number of properties you can own.
Approval is faster and easier too because there’s no painful personal income verification.
You can close in an LLC with as little as 20% down — even using short term rental income.
So their Daddy’s not always bank rolling it!
Why Beeline for
Tailored DSCR application flow
A dedicated online DSCR experience that doesn’t cram you down the normal path and ask you for personal income.
Outside of the box? That’s ok.
Tons of loan options. Qualify with the property’s rent and without W2s and DTI limits. STR. LLC and other acronyms too.
Get certainty upfront!
You’ll get a reliable approval and loan options in quick time, so you can calculate your exact ROI right then and there.
Low rates equal high returns
Using lots of automation, not lots of people keeps our rates low and your ROI high.
about our DSCR rates.
Your own Loan Guide who eats DSCR loans for breakfast
They know the ins and outs of DSCR loans and are directly available, navigating you every step of the way until closing day.
What you’ll need to access the world of DSCR.
A credit score of at least 660.
At least 12 months' history of paying either mortgage or rent payments.
Your total annual rent should cover your principal, interest, insurance, property taxes and HOA fees (if applicable).
A minimum of 20% downpayment.
Reserves to cover 6 months' worth of payments.
Long and short term rentals like Airbnb are ok.
Applying is even faster after your first time.
Sign in, refresh your profile and answer an even shorter application.
If your portfolio is growing like a kick ass game of Monopoly, don't apply from scratch and go around the board every time you need a loan — just do us a favor and stay out of jail.
WTF is DSCR?
You can only grow your property portfolio so much using your personal income. So why not spread your wings and get into the world of DSCR?
WTF is DSCR you may be asking?
We're not fans of acronyms either — jerks tend to use them to alienate normal folks.
DSCR stands for Debt Service Coverage Ratio.
Eligibilty for DSCR loans is based on verifying the rental property's income, not your personal income, tax returns and pay stubs.
With conventional loans, lenders look at whether your income can support extra loan payments — so after a couple of properties, you'll max out your ability to borrow (unless you earn squillions).
That's where DSCR loans come in.
They can transform newbies into cigar wielding tycoons.
But while DSCR loan programs have advantages, the rates are slightly higher so if your income isn't maxxed out with other properties, a conventional loan might be better, but we can help you decide.
WTF is DSCR?
DSCR loans to suit tycoons and young investors just starting out.
We love seeing people getting into the property market and taking steps towards financial freedom.
Whether that's getting wealthy and smoking fat obnoxious cigars or just working a little less hard — we'll leave that up to you.
So let's get the loan out of the way — so you can watch that rent roll in and move onto the next one!
See your DSCR approval and loan options in quick time.
Get an accurate DSCR approval and loan options so you’ll know if the deal works.