Turn rental income into investment power

Access capital based on your property’s current or potential cash flow with Truehold Financial's DSCR Loans.

What is a DSCR Loan?

DSCR (Debt Service Coverage Ratio) loans qualify you based on whether your property's rental income can cover the loan payments. Instead of digging through your tax returns and employment history, we focus on what actually matters: your property's current cash flow or potential rental performance.

We make it easy to finance your future

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Submit Your Information

Share basic property details and current or potential rental income information. W-2s, tax returns, or employment verification are typically not needed

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Apply and 
Lock in Your Rate

We’ll conduct a digital review of your property performance and customary credit requirements. A Truehold Financial Loan Offer will go over your rate and terms.

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Close and 
Access Capital

Get funded in as few 
as 10 days. Use your capital as you see fit: acquisitions, renovations,  refinancing, or debt consolidation.

Why Choose
DSCR Financing

Your Rental Income
Does the Talking

Finally, financing that works the way property ownership actually works. 
Your rental income is more valuable 
than your W-2 for getting loans.

Fast Funding

Access up to 95% loan-to-cost and 80% after-repair value. Plus, we cover 100% of rehab costs so you can execute your vision without tying up all your capital.

Dedicated Team

Work with experienced loan specialists who understand real estate investing and can guide you through the process efficiently, providing personalized service.

No Portfolio Requirements

You don't need a massive portfolio to qualify. Property owners who meet standard requirements can access investor-friendly financing.

Frequently asked questions

See all FAQs
What's the DSCR requirement?
We offer DSCR requirements as low as 0.75. This shows your property can support the loan without relying on your personal income.
What can I use the funds for?
Investment property acquisitions, cash-out refinancing, portfolio expansion, property improvements and renovations, or debt consolidation. Perfect for funding upgrades that could double your cash flow.
What types of properties qualify?
Single-family rentals and 2-4 unit investment properties that generate rental income. Properties must be investment properties, not primary residences.
How do you verify rental income?
We use current lease agreements, market rent analysis, or professional rent estimates. If you have existing tenants, that provides the strongest documentation.

Ready to finance your next investment property?

Get financing designed specifically for property owners, based on what actually matters: 
your property's cash flow performance.

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