Scale your rental portfolio with DSCR and fix-and-flip financing
Compare debt service coverage ratio (DSCR), bridge, and rehab loans built for investors. Loans based on property cash flow—not personal income.
Properties funded
6.2K
Average DSCR required
1.1x
Finance short- and long-term rentals with flexible underwriting
Investor loans focus on property performance. RateRoots compares DSCR programs, fix-and-flip loans, and short-term rentals financing so you can close quickly without tax-return headaches.
DSCR vs. traditional mortgages
DSCR loan
Qualification driven by rental income and property expenses instead of personal DTI.
- Faster approvals
- Ideal for investors with multiple properties
- No income documentation required
Traditional mortgage
Underwriting relies on personal income, tax returns, and debt ratios.
- Lower rates for primary residences
- Limited to 10 financed properties
- Full documentation required
Investor funding in four steps
Tell us about the property
Provide purchase price, rent roll, or ARV projections.
3 minutesReview curated offers
Compare DSCR, bridge, and rehab loan options side-by-side.
Appraisal & inspection
Order valuation and property condition reports as needed.
Close and deploy capital
Fund acquisitions, rehabs, or portfolio refinances quickly.
Investor loan snapshot
Minimum DSCR
≥ 1.0x
1.1x+ preferred for best pricing
Down payment
20%+
Higher equity improves leverage
Experience
0–2 flips
Bridge lenders offer tiers for new investors
Property types
1–8 units
Short-term rentals eligible
Run quick DSCR math
Enter rent and expenses to confirm cash flow coverage before you make an offer.
Max leverage
Up to 80% LTV
Subject to DSCR performance
Time to funding
10–14 days
Bridge loans can close sooner
Prepayment flexibility
12–36 months
Options for long- and short-term holds
Frequently asked questions
Grow your rental portfolio faster
Start the investor quiz to compare DSCR, bridge, and rehab financing options.