Section 8 DSCR Loans
What is a section 8 dscr loan and who qualifies?
DSCR loans that count your HAP contract as verified income. Section 8 DSCR loans let landlords use the HUD HAP contract rent — often above local market rent — for DSCR qualification. That means better ratios, better terms, and predictable cash flow backed by the federal housing voucher program.
Reviewed and updated August 31, 2026
- The HUD HAP contract rent is used as qualifying income for DSCR — often higher than street market rent.
- Landlord collects 100% of contract rent, but only the HAP portion (~70%) is government-guaranteed — tenant share (~30%) is direct-pay and not backed.
- We underwrite files on both bases: HAP-only DSCR (conservative) and full-contract-rent DSCR (aggressive).
- Typical: 20–25% down (up to 80% LTV; 85% by exception), 620+ FICO, 0–12 months reserves, and a 1.00 DSCR for full leverage with a 0.75 program floor at reduced LTV.
- PHA continues paying the landlord uninterrupted through change of ownership.
How much of the rent is guaranteed + HAP-backed DSCR
Under Section 8 the landlord collects 100% of the rent, but only the HAP (government) portion is guaranteed — the tenant pays the rest. Model the split and see how DSCR changes depending on whether your lender counts the full contract rent or only the guaranteed HAP payment.
No market selected yet, so the rent below is a national placeholder. Look up your ZIP or county in the FY2026 HUD Fair Market Rent tool below (or pick a state) and the calculator will re-run on the real published FMR for that area.
Section 8 rent check — HUD Fair Market Rent
Pull the current HUD FMR by ZIP or county and compare it to your market rent.
Open-market rent check — Census ACS median rent
Pull the published median market rent for a state or investor city and compare it to the HUD Section 8 payment standard.
Same property, three qualifying-rent bases — from most conservative to most aggressive. Prudent lenders underwrite to the guaranteed HAP-only number; more aggressive programs count the full contract rent (the tenant share rarely defaults because losing a voucher is costly, but it is not government-backed).
Counting the full contract rent lifts DSCR by +0.10 vs. the open-market file on the same address, driven by the 105% Payment Standard in your target market. Underwriting to guaranteed HAP-only (70% of rent) is the conservative floor.
Illustration only using the numbers you entered. Not a loan estimate, pre-qualification, or commitment to lend. Formal pricing and DSCR results require full underwriting including appraisal, HAP contract, HQS inspection status, and PHA-verified Payment Standard. The tenant rent share shown is a modeling assumption (default 30%); HUD actually sets it at ~30% of the tenant's adjusted gross income, which varies per household — your PHA confirms the exact split on the executed HAP contract.
Live DSCR pricing for a Section 8 rental scenario
These are actual pricing responses returned for a sample business-purpose DSCR scenario on non-owner-occupied investment property - rate, APR, borrower points or lender credit, estimated principal and interest, and lock period from the same quote. Pricing changes intraday and is not a loan approval, commitment, or guarantee of financing.
Live pricing unavailable — no current pricing response.
Get My Live DSCR Rates
The three cards above are featured examples from the current snapshot. Enter your own property, credit tier, leverage and rent to see every eligible option for your deal.
Rate & Pricing Disclosure: This quote is an indication for the scenario entered and the pricing available at the time shown. Rates and terms are subject to change without notice and may change or may not be available at commitment or closing. This is not a rate lock, loan approval, commitment to lend or offer of credit. APR reflects applicable borrower-paid finance charges and pricing credits for this quote and may be the APR returned with the quote or our own audited calculation where verified borrower-paid finance charges outside the quoted price apply. Additional lender and third-party costs may apply and may not be included in the APR. Payment shown is principal and interest only and excludes taxes, insurance, HOA dues and other applicable costs, so your actual payment will be higher. Simply Approved Mortgages LLC is a mortgage broker, not the funding lender. Business-purpose, non-owner-occupied investment property only. Equal Housing Opportunity.
APR reflects applicable borrower-paid finance charges and pricing credits for this quote. Depending on the option, the APR shown is either the APR returned with that quote or our own audited calculation, used where verified borrower-paid finance charges outside the quoted price apply. Other lender and third-party costs may apply and may not be included in the APR.
Estimated payment is principal and interest only and does not include property taxes, insurance, HOA dues, flood insurance, escrows or other applicable costs.
DSCR loans that count your HAP contract as verified income.
Section 8 DSCR loans let landlords use the HUD HAP contract rent — often above local market rent — for DSCR qualification. That means better ratios, better terms, and predictable cash flow backed by the federal housing voucher program.
Get your Section 8 Rent & Scenario Snapshot.
Send us the property — we return a full Section 8 underwriting: HUD FMR & Payment Standard, gross-to-market rent comparison, DSCR, and max qualifying loan.
- HUD FMR & Payment Standard for the ZIP
- Section 8 vs. market rent comparison
- DSCR calculated on voucher rent
- Max qualifying loan at 75–80% LTV
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
What a Section 8 DSCR loan is
A Section 8 DSCR loan is a rental property mortgage that qualifies using the property's HAP (Housing Assistance Payment) contract rent — the amount the local Public Housing Authority (PHA) pays each month under HUD's Housing Choice Voucher Program — instead of, or in addition to, market rent. Because HAP rent is often set above local market rate and the subsidy is federally backed, DSCR ratios come in stronger and pricing improves.
Why lenders like Section 8 income
- Predictable: HAP payments hit on the same day every month, direct-deposited to the landlord.
- Guaranteed portion: the subsidy piece is federally funded — treated as institutionally guaranteed for DSCR.
- Often above market: PHAs use Fair Market Rent (FMR) plus a payment standard multiplier; in many markets the HAP rent exceeds what a private-market tenant would pay.
- Portable: the HAP contract stays with the property and continues to pay through change of ownership.
How the DSCR calculation works
DSCR = qualifying rent ÷ PITIA. Here's the nuance most articles get wrong: on a Section 8 tenancy the landlord collects 100% of the contract rent, but only the HAP portion (~70%) is guaranteed by the government via direct ACH from the PHA. The remaining ~30% tenant share is paid by the voucher-holder directly and is not government-backed. Conservative programs underwrite DSCR on the guaranteed HAP figure only; more aggressive programs count the full contract rent since Section 8 tenants rarely default (losing a voucher is very costly). We run both numbers on every file so you see the honest picture — and we price to whichever base your chosen program uses.
What to prep for HQS inspection
New Section 8 units must pass an HQS (Housing Quality Standards) inspection before the PHA issues the HAP contract and starts payments. Common items: working smoke and CO detectors on every level, GFCI outlets in kitchens/bathrooms, secure handrails, no chipping paint on pre-1978 units, and functional HVAC. We include an HQS-readiness checklist in your closing package.
Rates & terms
Section 8 DSCR pricing typically runs 7%–9% depending on FICO, LTV, and DSCR. Same 30-year fixed, ARM, and IO structures as standard DSCR — the difference is the income source.
Illustrative only. Not a quote or commitment to lend.
Get your Section 8 Rent & Scenario Snapshot
Send us the property — we return a full Section 8 underwriting: HUD FMR & Payment Standard, gross-to-market rent comparison, DSCR, and max qualifying loan.
- HUD FMR & Payment Standard for the ZIP
- Section 8 vs. market rent comparison
- DSCR calculated on voucher rent
- Max qualifying loan at 75–80% LTV
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
Why investors choose this Section 8 DSCR loan program
Federal contract rent used for DSCR; often higher than street rent.
The subsidy portion is treated as institutionally guaranteed income.
We help you prep for HQS inspection so first payments arrive on time.
Discounted pricing on 5+ door portfolios.
Get your Section 8 Rent & Scenario Snapshot
Send us the property — we return a full Section 8 underwriting: HUD FMR & Payment Standard, gross-to-market rent comparison, DSCR, and max qualifying loan.
- HUD FMR & Payment Standard for the ZIP
- Section 8 vs. market rent comparison
- DSCR calculated on voucher rent
- Max qualifying loan at 75–80% LTV
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
Section 8 DSCR qualifications at a glance
Program guidelines vary by investor. These are typical ranges — a Loan Officer confirms exact numbers on your scenario.
| Requirement | Typical | Notes |
|---|---|---|
| Minimum credit score | 620 minimum (740+ for max leverage) | 680+ required when DSCR is between 0.75 and 0.99. |
| Down payment / LTV | 20–25% down (up to 80% LTV) | 85% is an exception at 740+ FICO on an SFR with a 30-year fixed and a 3-year prepay. Cash-out caps at 70–75%. |
| Minimum DSCR | 0.75 program floor | 1.00+ unlocks full leverage; 0.75–0.99 caps LTV at 75% with a 680 FICO and $175K minimum loan. |
| Income verification | HAP contract + tenant lease | Contract rent split between HAP (govt) and tenant share. |
| Reserves | 0–12 months PITIA | 0 months at or below $1.5M and 70% LTV; 6 months above 70% LTV, on cash-out, or when DSCR is under 1.00. |
| Property types | 1–4 unit | Mixed voucher + market tenant OK. 5–8 unit voucher properties go through our separate 5–8 unit program. |
| Occupancy | Investment only | |
| Vesting | Individual, LLC, LP, Corp | Max 4 members; personal guaranty from every 25%+ owner. |
| HQS inspection | Required for new HAP | Existing HAP contracts transfer through sale. |
| Loan amount | $100K – $2.5M | Portfolio pricing on 5+ doors. |
Ranges are typical program guidelines and vary by investor, credit tier, and market. Not a commitment to lend.
Section 8 DSCR loan use cases
- Existing Section 8 landlords refinancing / expanding
- Landlords entering the voucher program
- Small multifamily with mixed voucher + market tenants
- Portfolio consolidation
Get your Section 8 Rent & Scenario Snapshot
Send us the property — we return a full Section 8 underwriting: HUD FMR & Payment Standard, gross-to-market rent comparison, DSCR, and max qualifying loan.
- HUD FMR & Payment Standard for the ZIP
- Section 8 vs. market rent comparison
- DSCR calculated on voucher rent
- Max qualifying loan at 75–80% LTV
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
Section 8 DSCR rate & market update
Compiled from Freddie Mac PMMS, U.S. Treasury, and BLS releases. Figures are published with the period they cover and the date they were retrieved.
Explore Section 8 demand by state
Pick a state to see its PHA directory and live HUD voucher & Fair Market Rent data.
Florida Public Housing Agencies & Payment Standards
Florida has 90+ PHAs. The largest set Payment Standards between 100–120% of FMR for the ZIP.
| Housing Authority | Jurisdiction | Payment Standard | Link |
|---|---|---|---|
| Miami-Dade Public Housing & Community Development | Miami-Dade County | Typically 100–110% of FMR | Visit |
| Housing Authority of the City of Fort Lauderdale | Broward — Fort Lauderdale | Typically 100–110% of FMR | Visit |
| Jacksonville Housing Authority | Duval County | Typically 100–110% of FMR | Visit |
| Tampa Housing Authority | Hillsborough — Tampa | Typically 100–110% of FMR | Visit |
| Orlando Housing Authority | Orange — Orlando | Typically 100–110% of FMR | Visit |
Payment Standards shown are typical published ranges — the exact figure for a subject ZIP must be confirmed with the PHA before underwriting. Not a rent quote or commitment to lend.
HUD-assisted rental demand — Florida
Housing Choice Voucher counts and county-level demand for Florida. Voucher counts are from HUD's 2026 HCV-by-tract layer; demographic context (income, household size) is from the HUD Picture of Subsidized Households snapshot, Dec 2020 — the most recent public release of that dataset.
Loading HUD data…
Voucher household counts: HUD Housing Choice Vouchers by Tract (HUD), aggregated to county. Demographic context: HUD Picture of Subsidized Households snapshot (HUD). Fair Market Rent trends: HUD FMR history. Local PHA Payment Standards typically run 90–110% of FMR.
Financing a Section 8 rental in Florida?
Send the address and HAP contract or PHA Payment Standard — a licensed loan officer returns an initial scenario review, usually the same day.
How Section 8 pays landlords — start to first ACH
Typical Housing Assistance Payment (HAP) timeline from tenant match to first deposit. Actual dates vary by PHA workload and HQS-cure list.
- 1Day 0Landlord + tenant match
Voucher-holder tours the property. Landlord confirms rent, security deposit, and lease term. Landlord submits RTA (Request for Tenancy Approval) packet to the local PHA.
- 2Day 5–15PHA rent reasonableness review
PHA compares proposed rent to comparable non-voucher units. Rent may be adjusted to align with the local Payment Standard.
- 3Day 15–30HQS inspection scheduled
HUD Housing Quality Standards inspection covers smoke/CO detectors, GFCI outlets, heat, roof, plumbing, egress, handrails. Failed items must be cured before HAP execution.
- 4Day 30–45HAP contract executed
PHA signs the HAP contract with the landlord. Contract sets the HAP portion, tenant portion, and effective date.
- 5Day 45–60First HAP payment deposited
HAP payment lands via ACH on the first business day of the month following contract effective date. Prorated first-month rent is common.
- 6AnnualRe-inspection + rent adjustment
PHA re-inspects annually (or on-demand for complaints) and adjusts Payment Standard, tenant income share, and rent reasonableness each year.
How the rent split drives DSCR on a a Section 8 investor market single-family
Sample scenario showing the guaranteed HAP portion vs. the full contract rent. Not a real closed loan; not a commitment to lend on similar terms.
Illustration only. The landlord collects 100% of the contract rent, but only the HAP (government) portion is guaranteed — the tenant pays the rest directly. Payment Standard, HAP split, LTV, DSCR, credit tier, reserves, and pricing vary by program, PHA, and subject property. Not a loan estimate, pre-qualification, or commitment to lend. Full underwriting and appraisal required. NMLS #2620881.
HUD HQS inspection checklist
The 40+ items PHAs check before executing your HAP contract — grouped by room. Print it, walk your subject property, cure the fails before the PHA arrives.
Informational only. Not a substitute for a HUD HQS inspection or lender approval. PHAs may add jurisdiction-specific items. Simply Approved Mortgages · NMLS #2620881.
Companion data & programs
Section 8 investor decisions typically depend on more than one HUD dataset. Compare HAP rent against Fair Market Rent, Income Limits, and Qualified Census Tracts before you underwrite.
Fair Market Rent lookup →
County + ZIP-level FMR by bedroom count — the qualifying rent benchmark on every Section 8 file.
Income Limits lookup →
AMI, VLI, and ELI thresholds — the tenant-side eligibility grid your PHA uses.
Section 8 investor map →
Voucher demand overlays, FMR heatmap, and state-by-state landlord notes.
Section 8 DSCR loan requirements →
Full DSCR / LTV / reserves grid, HAP contract rules, HQS inspection checklist, and documents list.
HUD Housing Choice Voucher program overview
Official program page for landlords, tenants, and PHAs.
Get your Section 8 Rent & Scenario Snapshot
Send us the property — we return a full Section 8 underwriting: HUD FMR & Payment Standard, gross-to-market rent comparison, DSCR, and max qualifying loan.
- HUD FMR & Payment Standard for the ZIP
- Section 8 vs. market rent comparison
- DSCR calculated on voucher rent
- Max qualifying loan at 75–80% LTV
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
Benefits and trade-offs of a Section 8 DSCR loan
- HAP rent often exceeds local market rent — stronger DSCR.
- Federal subsidy = predictable, on-time payments.
- HAP contract transfers through change of ownership — no interruption.
- Same DSCR structure as standard rental loans.
- Portfolio discounts at 5+ Section 8 doors.
- Excellent fit for landlords in stable-tenant-demand markets.
- HQS inspection required for new HAP contracts (not for existing).
- Tenant turnover follows PHA rules — different from private-market eviction timelines.
- PHA re-inspects annually and can withhold HAP for non-compliance.
- Not every property qualifies (age of paint, structural, code compliance).
- Sub-market properties may see slower HAP rent adjustments.
Get your Section 8 Rent & Scenario Snapshot
Send us the property — we return a full Section 8 underwriting: HUD FMR & Payment Standard, gross-to-market rent comparison, DSCR, and max qualifying loan.
- HUD FMR & Payment Standard for the ZIP
- Section 8 vs. market rent comparison
- DSCR calculated on voucher rent
- Max qualifying loan at 75–80% LTV
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
Section 8 DSCR loan process: from scenario to close
- STEP 1Deal review
Send HAP contract or Voucher tenant rent schedule + property details.
- STEP 2Application
Standard DSCR doc set + HAP contract copy.
- STEP 3Appraisal + rent schedule
1007/1025 — HAP rent used when it exceeds market.
- STEP 4Underwrite
10–15 business days.
- STEP 5Close
Wire funds; PHA payments continue to landlord uninterrupted.
Get your Section 8 Rent & Scenario Snapshot
Send us the property — we return a full Section 8 underwriting: HUD FMR & Payment Standard, gross-to-market rent comparison, DSCR, and max qualifying loan.
- HUD FMR & Payment Standard for the ZIP
- Section 8 vs. market rent comparison
- DSCR calculated on voucher rent
- Max qualifying loan at 75–80% LTV
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
Section 8 DSCR loan document checklist
Here's what to have ready when you apply. Missing items can be added during processing — but a complete file closes faster.
- Government-issued photo ID (driver's license or passport) for every guarantor
- Entity documents (LLC / LP / Corp): Articles of Organization, Operating Agreement, EIN letter, Certificate of Good Standing
- Voided check or bank letter for the funding account
- Two most recent months of asset statements showing down payment + reserves
- Homeowners / landlord insurance quote naming the lender as mortgagee
- Purchase contract (purchase) or existing note & mortgage (refinance)
- Preliminary title commitment ordered through an approved title company
- Current lease(s) or Section 8 HAP contract if the property is tenant-occupied
- Property tax bill and HOA statement (if applicable)
- Payoff statement from current lender (refinance only)
- Current HAP contract (all pages, signed) — or letter from PHA if HAP is pending
- Voucher tenant's lease agreement
- Latest PHA payment ledger (12 months if available)
- Most recent HQS inspection report (if available)
Section 8 DSCR loans in Florida, Colorado, and LLC-eligible states
Simply Approved Mortgages LLC (NMLS #2620881) is a mortgage broker, not a direct lender, and arranges residential mortgage loans in Florida and Colorado. Section 8 DSCR business-purpose loans may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
Section 8 DSCR loan questions, answered
The questions investors ask us most — plus the exact answers we give on the phone.
Do you count the whole HAP payment?
Depends on the program. The landlord collects 100% of the contract rent, but only the HAP portion (~70%) is government-guaranteed — the tenant's ~30% share is direct-pay and not backed. Conservative programs price DSCR on the HAP-only figure; more aggressive programs count the full contract rent. We run both and quote whichever your file supports.
What if part of the rent is tenant-paid?
The tenant portion is included on the aggressive (full-contract-rent) basis but excluded on the conservative (HAP-only) basis. Tenant-share collection risk is real — plan reserves around it.
What if the property isn't currently on Section 8?
That's fine — we lend on standard DSCR based on market rent, and you can enroll after closing. HQS inspection triggers when the PHA processes a new tenant.
Does the PHA need to approve the refi?
No — the HAP contract stays with the property and continues to pay directly through the change of ownership.
What credit is required?
660 minimum; 720+ for best pricing.
Is Section 8 rent really above market?
Often, yes. The PHA uses HUD Fair Market Rent (FMR) times a payment standard (typically 90–110% of FMR). In many markets this exceeds street rent.
What is HQS inspection?
Housing Quality Standards — a HUD-mandated inspection covering safety, sanitation, and structural items. Required before a new HAP contract is issued.
How often does the PHA re-inspect?
Annually for occupied units. Failing an inspection puts the HAP payment on hold until repairs are made.
Can I have mixed Section 8 + market-rate tenants in a small multifamily?
Yes — mixed occupancy is standard and DSCR is calculated per unit using the actual income source for each.
How is the HAP contract rent set?
By the local PHA using HUD's Fair Market Rent tables, adjusted by the PHA's payment standard multiplier (typically 90–110% of FMR).
Can I close in an LLC?
Yes — LLC vesting is standard. Ownership transfer paperwork gets filed with the PHA so payments switch to the new entity.
What are typical Section 8 DSCR rates?
Typically 7%–9% depending on FICO, LTV, and DSCR — comparable to standard DSCR pricing.
Which calculators should I run before financing a rental?
Start with the DSCR calculator to test rent against the payment, then the cap rate calculator for the unlevered yield, the cash-on-cash return calculator for the levered year-one return, and the ARV calculator when the plan involves a rehab. All outputs are illustrative estimates, not an approval, an offer of credit, or a commitment to lend.
Do the calculators work for every state?
No. Results are shown only for the states where we arrange financing, where Simply Approved Mortgages LLC arranges business-purpose investment property financing. Selecting any other state withholds results — the check runs on our servers and fails closed.
Can I share or save my calculator results?
Yes. Every calculator produces a share link that encodes the scenario inputs only — names, emails, phone numbers, and addresses are never included — plus a copy-to-clipboard summary of the key numbers you can paste into an email or a deal memo.
What is Simply AI and can it approve my loan?
Simply AI explains the figures already shown on the page in plain English. It provides educational explanations only, does not quote rates, does not confirm eligibility, and cannot approve financing. Rates, eligibility, fees, and terms are subject to verification and change — speak with a licensed loan originator before making a financing decision.
Government & regulatory references
Independently verify program rules and consumer protections.
Related programs & tools
Standard rental DSCR for non-Section-8 properties.
Consolidate 5+ Section 8 doors into one loan.
Non-US investors buying Section 8 rentals.
Florida and Colorado licensed; LLC business-purpose loans in additional states.
Send us the HAP contract and property details.
Run the numbers on your Section 8 DSCR deal
Free calculators for the metrics underwriting actually looks at, plus side-by-side deal comparisons. All outputs are illustrative estimates and are not an approval, offer of credit, or commitment to lend.
Whole-deal underwriting: PITIA, DSCR, NOI, cap rate, cash-on-cash and refinance proceeds.
Test rent against PITIA and see the ratio a lender underwrites to.
Year-one levered return on the cash you actually put into the deal.
NOI, unlevered yield, and implied value at your target cap rate.
Comp-based after-repair value with the 70% rule and profit projection.
Model the rehab loan and the DSCR refinance in one place.
The monthly rent required to reach a 1.00, 1.10 or 1.25 ratio.
Full monthly PITIA — principal, interest, taxes, insurance and dues.
LTV, CLTV, equity, and proceeds available at your target leverage.
Proceeds, new payment, DSCR impact and break-even in months.
Cash to close: fees, prepaids, escrow reserves and credits.
Cash flow, DSCR and principal paydown side by side.
Cost of a step-down prepay at your planned exit year.
Investor metrics for the markets where we arrange financing.
Deal comparisons
- DSCR Loan vs BRRRR Strategy
- DSCR Loan vs Fix & Flip Loan
- DSCR Long-Term Rental vs Short-Term and Mid-Term Rental Financing
Program availability, leverage, and terms vary by state and program. Business-purpose, non-owner-occupied investment property only; owner-occupied use is not supported. Simply Approved Mortgages LLC is a mortgage broker and arranges — but does not make — loans. Equal Housing Opportunity.
Get your Section 8 Rent & Scenario Snapshot.
Send us the property — we return a full Section 8 underwriting: HUD FMR & Payment Standard, gross-to-market rent comparison, DSCR, and max qualifying loan.
- HUD FMR & Payment Standard for the ZIP
- Section 8 vs. market rent comparison
- DSCR calculated on voucher rent
- Max qualifying loan at 75–80% LTV
Illustration only, generated from the information you enter. Not a loan estimate, pre-qualification, commitment to lend, or approval. Formal pricing, LTV, and terms are issued only after credit review, income/asset documentation, and full underwriting.
Get your personalized investor loan quote
Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
Pick a loan type
You can change this any time.Tell us about your scenario
The form below is tailored to DSCR rental loan — only the questions your program needs.