CR Investment Property Loans
Finance Rental Properties Based on Cash Flow—Not Personal Income
Build Your Real Estate Portfolio with Flexible Investor Financing
Whether you’re purchasing your first rental property or expanding an established portfolio, our Debt Service Coverage Ratio (DSCR) loan programs make qualifying easier. Instead of relying on tax returns or W-2 income, lenders evaluate the property’s rental income to determine eligibility.
Why Investors Choose DSCR Loans
No Tax Returns Required
No Personal Income Verification
Qualify Using Rental Income
LLC Ownership Accepted by Many Programs
Ideal for Self-Employed Investors
Fast Closings Available
Loan Highlights
| Feature | Details |
|---|---|
| Loan Amounts | $100,000 – $2,000,000 |
| Purchase Financing | Up to 80% LTV |
| Refinance | Up to 75% LTV |
| Minimum DSCR | 1.00 |
| Minimum Credit Score | 660 FICO |
| Loan Terms | 30-Year Fixed & ARM Options |
| Property Types | SFR, 2–4 Units, Condos, Townhomes |
| Cash-Out Available | Yes |
| LLC Borrowing | Available with Many Programs |
Perfect For
- Real Estate Investors
- Buy-and-Hold Investors
- Self-Employed Borrowers
- Portfolio Expansion
- Cash-Out Refinancing
- First-Time Investment Property Buyers
How DSCR Loans Work
Traditional mortgages qualify borrowers based on personal income.
DSCR loans qualify borrowers based primarily on the property’s rental income.
If the property’s cash flow is sufficient to cover the mortgage payment, you may qualify—even if your personal income doesn’t meet conventional underwriting requirements.
Why Choose Terrell Capital Referral?
Access to Multiple Lending Sources
We work with a nationwide network of private and institutional lenders to help you secure competitive financing solutions.
Investor-Focused Expertise
Our team understands investment real estate and structures financing around your investment goals—not unnecessary paperwork.
Faster Decisions
Efficient underwriting and responsive communication help keep your transaction moving from application to closing.
Personalized Service
Every property and investor is different. We take the time to understand your objectives and connect you with financing that fits your strategy.
Frequently Asked Questions
Do I need tax returns?
No. Most DSCR loan programs do not require personal tax returns.
How do lenders determine eligibility?
The property’s rental income is compared to its monthly debt obligation using the Debt Service Coverage Ratio (DSCR).
Can I purchase property through an LLC?
Yes. Many lenders allow financing in an LLC or other business entity.
Are first-time investors eligible?
Yes. Several lending programs are available for first-time real estate investors.
Can I refinance an existing rental property?
Absolutely. Both rate-and-term and cash-out refinance options are available.
What property types qualify?
Most programs finance single-family rentals, 2–4 unit properties, townhomes, condominiums, and, with select lenders, short-term rental properties.
Your Next Investment Starts Here
Whether you’re purchasing, refinancing, or expanding your portfolio, Terrell Capital Referral can help you access flexible DSCR financing with competitive terms and a streamlined process.
Apply Today
Get a customized financing quote in just minutes.
✔ Competitive Rates
✔ Fast Pre-Qualifications
✔ Flexible Investor Programs
✔ Dedicated Loan Specialists
Ready to Get Started?
Call Terrell Capital Referral today or submit your loan request online to collaborate with our financing specialist.
Turn your next investment opportunity into your next successful closing.
