DSCR: A rental Loan Based on Your Property’s Cash Flow, Not Your Personal Income

Start your Loan Application
Start your Loan Application

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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Get Started on your personalized Loan Now

Step 1 of 2

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.

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