Qualify on the property's cash flow — not your tax returns.
Our DSCR program lets you finance and refinance income-producing rentals based on the property's debt-service coverage rather than your personal income — the simplest way to scale a buy-and-hold portfolio.
Example terms*
| Loan amount | $75K – $2M+ |
|---|---|
| Up to LTV (purchase) | Up to 80% |
| Up to LTV (cash-out refi) | Up to 75% |
| Income docs | None required |
| Term | 30-year fixed & ARM options |
| Min. DSCR | Flexible — programs for sub-1.0 |
*Illustrative highlights only. Actual rates, leverage, and terms are determined by the asset, your experience, and final underwriting. Contact us for a quote specific to your deal.
Is this the right fit?
- You hold or are acquiring long-term rental property
- You want financing that doesn't rely on W-2 or tax-return income
- You're scaling a portfolio and want repeatable, predictable terms
- You want to cash out equity to fund your next acquisition
Built to scale a rental portfolio
No tax returns
Qualify on the property's rental income and DSCR — ideal for self-employed and portfolio investors.
30-year fixed options
Lock in long-term, predictable payments designed for buy-and-hold strategy.
Portfolio-friendly
Finance one door or many. We're built for investors who keep growing.
Cash-out to grow
Pull equity out of stabilized rentals to fund your next purchase.
Request DSCR / Rental Loans terms
Tell us about your deal and a NuGen advisor will follow up — usually the same business day. No hard credit pull to get a quote.
- Fast, asset-based decisions
- Southeast US focus
- A real person on every file
DSCR / Rental Loans questions
A DSCR (debt-service coverage ratio) loan qualifies the borrower based on whether the property's rental income covers its debt payments, rather than on personal income documentation.
Typically no. DSCR programs are designed to qualify on the property's cash flow, which is what makes them popular with self-employed and full-time investors.
Yes. We offer cash-out refinances on stabilized rentals up to program limits so you can redeploy equity into new deals.
Many short-term and mid-term rentals can qualify. Share the property and income picture and we'll confirm fit.
Ready to fund your next rental?
Apply now or call us to talk through your scenario with a NuGen lending advisor.