DSCR Rental Loans
Unlock more from your investments with financing built around rental income — not tax returns or pay stubs.
DSCR Rental Loans
Financing Based on Your Property's Income
At Modern Day Real Estate Capital, our DSCR (Debt Service Coverage Ratio) loans are built for real estate investors. Instead of relying on your personal income, we qualify the loan on the income the property can generate. That makes these loans a strong fit for rental and investment properties where standard income documentation isn’t needed.
At a glance
Loan highlights
Loan Size
$75K – $3M
Single rentals to portfolios
Maximum LTV
Up to 85%
When DSCR is 1.00+; varies by size & credit
Minimum DSCR
0.75
Special conditions apply to lower ratios
Credit Score
640+
Stronger credit unlocks higher LTVs
Loan Terms
30 / 15-yr
Fixed and interest-only options
Why DSCR
What Makes DSCR Loans a Smart Choice?
Qualify on property income
We look at what the property earns, not your personal income — so qualifying is simpler for investors.
01
Terms that fit your plan
Choose from multiple loan terms, including interest-only options, to match your investment approach.
02
Larger loan sizes
Access up to $3,000,000 with competitive LTVs driven by your DSCR and credit.
03
Details
Everything you need to know.
Find the Right DSCR Loan Today
Looking to strengthen your investment strategy? Reach out to Modern Day Real Estate Capital to explore our DSCR loans and find the financing that fits your goals.