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DSCR Loans

SQR Capital’s DSCR (Debt-Service Coverage Ratio) loans are designed for real estate investors focused on building cash-flowing rental portfolios. With no income verification and fast underwriting, our DSCR program helps unlock funding across 42 states—empowering investors to scale smart, without traditional hurdles.

  • No tax returns or employment verification required
  • Loans based on property income (not borrower income)
  • Up to 80% LTV on purchase, 75% on cash-out refinance
  • Rates starting at 6.00%
  • Flexible terms and amortization options

Eligible Property Types

DSCR Loans are ideal for rental investments across urban and suburban locations. Eligible property types include:

  • Single Family Homes
  • Duplex, Triplex, Quadplex
  • Condo & Non-Warrantable Condos
  • 2–50 Property Portfolios
  • Urban Rental Properties (42 States)

Program Terms

Loan Amount $100,000 to $3,000,000
Minimum Credit 660
Minimum DSCR Coverage As low as 0.75
Rates Starting at 6.00%
Points 0–4% (Discount Points)
Payment Fully Amortized or Interest-Only
Purchase LTV Up to 80%
Cash-Out Refinance LTV Up to 75%
Eligible Locations 42 States
Rental Income Types Airbnb, Long-Term, Vacant OK

Closing Costs

We keep DSCR lending simple with no hidden fees and flexible cost breakdowns:

  • Document Preparation Fee – $1,695.00
  • 3rd Party Attorney Review – $625.00
  • Appraisal – $500–$700 (varies by location)

Additional Requirements

Our streamlined DSCR underwriting skips the tax returns. Here’s what you’ll typically need:

  • Purchase Contract (if applicable)
  • List of Real Estate Owned
  • Property Insurance
  • Driver’s License
  • Last 2 Bank Statements
  • Subject Property Lease (if rented)
  • LLC or Entity Docs (if in an entity)
  • Loan Payoff Statement (if refinancing)
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“Let your cash flow work for you. We simplify the process.”