Make a Beeline

WTF is DSCR? And why Beeline for investment property loans?

WTF is DSCR?

You can only grow your property portfolio so much using your personal income to qualify for property loans. So why not spread your wings and get into the world of DSCR?

WTF is DSCR you may be asking?

Fair question, we're not fans of acronyms either — jerks tend to use them to alienate normal folks like us.

So let's break it down.

DSCR stands for Debt Service Coverage Ratio.

Eligibilty for a DSCR loan is based on verifying the income of the rental property, not verifying the investor's personal income with tax returns and pay stubs.

WTF is DSCR?

With conventional loans, your portfolio's growth will be limited by your personal income because lenders look at whether your income can support extra loan payments — so after buying a couple of properties, you'll max out your ability to borrow pretty fast (unless you earn squillions).

That's where DSCR loans come in.

We've done a bunch of them and love how they can help people easily grow their portfolio to go from newbies to cigar wielding tycoons.

Aside from avoiding the intrusiveness of someone combing through your personal tax returns, you won't mess about with a long ass approval process — it can actually be easier than a conventional home loan.

While DSCR loans have advantages, the rates are slightly higher so if your income isn't maxxed out servicing other properties, it's better to go for a conventional loan, but we can help you decide.

One last thing, both long term and short term rentals (Airbnb) are eligible for DSCR too which is nice.

Beeline suits 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 or just working a little less hard, we'll leave that up to you.

That's why we've created a dedicated investor experience instead of cramming investors down the normal path like most lenders do.

Beeline suits tycoons and young investors just starting out

Your very own Loan Guide who eats investor loans for breakfast.

Your dedicated Beeline Loan Guide is with you from the moment you apply until closing day — directly available by phone, text, email or chat. Their teammate is right alongside them, so two people support you.

They know the ins and outs of investment property loans. They've done plenty, so you're in good hands.

Your very own Loan Guide who eats investor loans for breakfast.

No need to apply from the start each time you add a property.

It's a cruisy 15 minute mobile first experience. Sign in, refresh your profile and answer a shortened application each time.

If you're growing your portfolio fast like when you're kicking your significant other's ass at Monopoly, the last thing you want is applying from scratch every time. So forget about going all the way around the board every time you need another loan — just do us a favor and stay out of jail.

No need to apply from the start each time you add a property.

Know your loan options and ROI in just 15 minutes.

97% of those who get approved reach clear to close, so you won't be wasting your time.