Qualify Based on Your Property — Not Your Personal Income
At Clear To Close Capital, we offer DSCR (Debt Service Coverage Ratio) loans nationwide designed specifically for real estate investors looking to build or scale their rental portfolio.
Whether you’re purchasing a new investment property or refinancing an existing one, our DSCR loan programs allow you to qualify based on rental income — not your W2 or tax returns.
Why Investors Choose Our DSCR Loans
- Nationwide Lending – All 50 States
- No Income Verification Required
- Qualify Based on Rental Income (DSCR)
- Purchases & Refinances Available
- Cash-Out Refinance Options
- Rates Starting Competitively
- Close in as little as 17–20 days
- Loan Amounts Starting at $50,000+
- LLC & Business Entity Borrowing Allowed
What is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan is a real estate investment loan that qualifies borrowers based on a property’s rental income relative to its monthly loan payment rather than personal income, making it possible to secure financing—even if you’re self-employed, write off income, or prefer not to provide tax returns—so long as the property generates enough income to cover the debt, which is why it’s considered a powerful tool for real estate investors.
What We Fund with DSCR Loans
- Single-family fix & flips
- Long-term buy-and-hold investments
- Short-term rentals (Airbnb / VRBO in select programs)
- Multi-family properties
- Portfolio expansion deals
- Refinancing existing rental properties
How It Works
How Our DSCR Loan Process Works
Step 1
Submit Your Deal
Provide property details, rental income, and loan request.
Step 2
Get Approved Based on Cash Flow
We analyze the income potential of the property — not your personal finances.
Step 3
Close & Scale
We move quickly so you can secure your property and continue building your portfolio.
What We Offer
DSCR Loan Terms Overview (SEO-Rich)
- Loan Type: DSCR / Rental Property Loan
- Loan Amount: Starting at $50,000+
- Qualification: Based on property income (DSCR ratio)
- Down Payment: Typically 10–20%
- Term Length: 30-year options available
- Use: Purchase or Refinance/Cashout
- Cash-Out: Available for equity access
- Ownership: LLC or individual
- Timeline: Closings in 17–20 days (average)
Perfect for Investors Who Want to Scale
Our DSCR loans are ideal for:
- Investors building a rental portfolio
- Self-employed borrowers
- Entrepreneurs with complex income
- Investors looking to avoid traditional bank restrictions
👉 If you want to grow your portfolio without income limitations, this is your solution.
Why Clear To Close Capital
We understand real estate investors because we are investors.
Our goal is to provide:
Fast Approvals:
Access a wide range of tailored financing solutions all in one place, making it easier to find what fits your business needs.
Clear and Competitive Terms:
Benefit from transparent, straightforward loan structures with competitive rates designed to maximize your returns and eliminate unnecessary surprises
Clear and transparent terms
Access tailored financing options aligned with your investment strategy, helping you optimize each deal for long-term growth and profitability
A Seamless Experience from Application to Closing:
Enjoy a smooth, hassle-free process from start to finish, with expert guidance and efficient support every step of the way
Ready to Build Your Next Project?
If you’re planning a new construction deal and need funding: