DSCR - Blue Bird

How DSCR Loans Work

Our Debt-Service Coverage Ratio (DSCR) loans offer fast, flexible financing based solely on the rental income generated by your investment property. No personal income verification is needed. To qualify, your rental income should sufficiently cover your monthly expenses, such as principal, interest, taxes, and insurance, by at least 20%.

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Bluebird Lending offers:

$50,000 to $2,000,000 DSCR Loans
Up to 30 years Term Payments
Up to 80% of the Purchase Price LTC Ratio
Up to 80% Cash-out options
Up to 75% financing Interest-only payment

Is a DSCR Loan Right For You?

Whether you’re starting or expanding your rental property portfolio, a DSCR loan offers a streamlined financing solution without the typical income documentation requirements. These types of loans are ideal for:

Rental
Real Estate

Quick access to funding without big cash reserves.

Single-family
Properties

Financing without traditional loan requirements.

Multiple Property
Investor

When other lenders won’t approve loans for multiple mortgages.

Self-employed
Borrowers

Loans when you can’t qualify for traditional mortgages.

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Get Funding in 3 Simple Steps

Whether you’re a first-time borrower or you’re an expert real estate investor, our process is here to fast-track your next project. Here’s how it works:

Step 01

Start Your Application

Fill out our straightforward online form. This step initiates the process.
CLICK HERE to get started

Step 02

Personalized Consultation

An expert loan officer will guide you through the application process and present a tailored proposal.

Step 03

Closing the Deal

Once you accept the proposal, we move swiftly so your funding is cleared as soon as possible.

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Ger Started on your personalized Loan Now

Have Questions?
We’re Here to Help.

Finding the right loan for your real estate needs can be hard and complicated. Let us take the guesswork out of your decision-making. Our experts are here to explain what your options are based on your current situation and guide you through the entire process.