DSCR Rental Loans for Real Estate Investors
AZLoan provides DSCR rental financing, helping real estate investors stabilize properties, maximize consistent cash flow, and scale their portfolios — backed by in-house servicing and flexible underwriting with ongoing support from application to payoff.
Rental property financing, made easy.
Submit Your Deal
Apply in minutes. No unnecessary paperwork.
Lock Reliable Terms
Upfront underwriting with real feedback. No last-minute changes.
Execute With Dedicated Support
Support doesn't end at closing — in-house servicing with flexibility until payoff.
What is a DSCR Loan?
A DSCR loan is a mortgage for a residential income-producing property. It's based primarily on the property's Debt Service Coverage Ratio — its cash flow — rather than your personal income. Traditional mortgages require income verification, tax returns, and a debt-to-income ratio; DSCR loans require none of that. It's the go-to option for investors ready to scale beyond W-2 requirements or leave behind the paperwork of conventional financing.
Secure your deal. Maximize your portfolio's potential.
Need To Close Quickly?
Closing fast matters just as much on a rental acquisition as it does on a flip. With AZLoan, you get a same-day term sheet and underwriting based on the property's cash flow — no tax returns, no income verification, and no DTI ratio — so you can move on a deal the moment it makes sense.
Looking For Max Leverage?
Scaling a rental portfolio requires capital that keeps pace with your pipeline. AZLoan offers up to 80% LTV on acquisitions and rate-term refinances, plus blanket portfolio loans up to $5M, so you can keep growing without your financing becoming the bottleneck.
Financing built for investor execution
Speed and Execution
Close in as little as 30 days with a process designed to keep your deals moving forward. From fast pre-approvals to reliable timelines, plan each step with confidence and execute without delays.
Simple Documentation
No tax returns or income verification required. Our streamlined documentation process keeps things simple, so you can spend less time on paperwork and more time managing your properties.
Investor Expertise
Work with a lending partner that understands how investors operate. With real-world experience, we provide support from application through long-term success.
Recent Rental Property Fundings
AZLoan has a proven track record of successfully funding rental properties and portfolios for investors nationwide.
Cash-Out Refinance
A Missouri DSCR rental loan for a cash-out refinance of a fully renovated lakefront residence near the Lake of the Ozarks, established as a short-term rental.
Acquisition
A Georgia DSCR rental loan for the acquisition of a turnkey short-term rental near the Chattahoochee River Walk, with projected income supporting strong cash flow.
Cash-Out Refinance
A Maine DSCR rental loan for a cash-out refinance near major Auburn/Lewiston employment centers, with an existing lease providing dependable income above market rate.
DSCR Loan FAQs
Find answers to common questions about AZLoan's DSCR rental property financing program.
AZRent loans are classified as DSCR loans — mortgage loans secured by residential real estate turnkey properties strictly used for a business purpose and underwritten primarily based on the property.
We lend in nearly every state nationwide, including rural markets. Contact our team to confirm availability for your specific property.
DSCR measures the annual cash flow of a rental property as a ratio of rental income divided by expenses — principal, interest, taxes, insurance, and any HOA dues.
No — AZLoan's rental loans do not require a minimum DSCR ratio.
Rates on DSCR rental property loans start at 5.75%.
Yes — these are DSCR loans, primarily based on the rental income and DSCR of the property. Borrower credit score and liquid asset reserves are also considered.
Our rental loans require a minimum qualifying credit score of 640.
Our rental loans require a minimum down payment of 20% for purchase transactions.
Our rental loans start at $100,000, up to a maximum of $3,500,000. Blanket portfolio loans (three or more properties) range from $225,000 up to $5,000,000.
Our rental loans have a maximum LTV of 80% for acquisitions and rate-term refinances, and 75% for cash-out refinances.
Yes — we lend on residential investment properties up to 10 units under the AZRent loan program.
No — AZRent loans are strictly for business-purpose properties. Occupying the property yourself is not permitted.
No — AZLoan does not use DTI for qualification on rental loans. There's no income verification or tax return requirement.
Yes — our rental loans finance long-term, mid-term, and short-term rental strategies, including vacation rentals with qualifying projected income.
Most rental loans carry a declining prepayment structure over the first several years, though AZRent is flexible and can be tailored to your strategy — including reduced or no prepayment penalty options.
Yes — AZRent loans are first-time investor friendly, with no restrictions or limits on loan offerings based on experience.
Apply Today.
Take the next step in your real estate investment journey with a trusted lending partner focused on speed, flexibility, and investor success. Get in touch or request a quote today.