Loan Programs

Rental Property Loans & DSCR Financing

Financing for stabilized rental properties evaluated on cash flow performance, not borrower income. Built for real estate investors building long term portfolios.

Submit Your Deal Ask a Question

What Is a DSCR Loan

Financing Based on Property Cash Flow, Not Your W2

DSCR stands for Debt Service Coverage Ratio. It measures whether a rental property generates enough income to cover its debt payments. A DSCR loan is evaluated on the property's rent income relative to the loan payment — not the borrower's personal income or employment history.

For real estate investors who own multiple properties, work for themselves, or structure income through entities, DSCR loans remove the biggest obstacle conventional lenders create: the requirement to document personal income that does not reflect how the investment actually performs.

Welmore Partners evaluates rental property loans on the asset. If the property cash-flows and the deal makes sense, we can structure financing around it.

Loan Structure

What We Offer

Evaluation Criteria

DSCR evaluated on gross rental income
Property performance drives approval
No W2 or tax return required
LLC borrowers welcome

Asset Types

Single-family rentals
Small multifamily (2 to 4 units)
Stabilized investment properties
Rental portfolio positions

Common Uses

Refinance out of hard money after renovation
Acquire stabilized rental properties
Cash out refinance on existing rentals
Portfolio consolidation

Who We Fund

Who This Loan Is For

Buy and hold investors building a rental portfolio
Investors refinancing out of a fix and flip or bridge loan into longer-term financing
Self-employed investors who cannot show conventional income documentation
LLC-based operators looking for entity-level financing
Investors acquiring stabilized rental properties at competitive rates

Common Questions

Rental & DSCR Loan FAQ

What DSCR ratio do you require? +

DSCR requirements vary by transaction. As a general target, we look for a DSCR of 1.0 or above — meaning the property's rental income covers its debt service. Deals below 1.0 may still be considered depending on the borrower's equity position and overall deal strength. Contact us with the deal specifics for a direct assessment.

Can I use this loan to refinance a property I just renovated? +

Yes. One of the most common uses of DSCR and rental property financing is to refinance a property that was recently acquired or renovated on a short term loan. If the property is now stabilized and generating rent, we can evaluate it for longer-term financing and help you recycle capital into the next deal.

Do you lend on multifamily properties? +

Yes. We lend on single-family rentals and small multifamily properties (2 to 4 units) for investment purposes. Larger multifamily transactions are evaluated on a case by case basis. Contact us with the specifics of your deal.