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MTN Lending

Serving California & Florida

(888) 555-0123

$50M+ Funded for CA & FL Investors

DSCR Rental Property Loan

Banks Keep Rejecting Your Deals? Get Approved Based on Property Cash

Not Your Personal

Income

No Tax Returns Required

No Bank Statements Needed

Pre-approval in 24-48 hours Close in 14-21 days

Minimum 640 Credit Score

256-bit Encryption

Response in 4 Hours

Get My 10-Day Approval

See your personalized loan terms in minutes

No obligation. Your information is secure and encrypted.

As Featured In

BiggerPockets

Forbes

Real Estate Investor

California Real Estate

Florida Realtor

256-bit SSL

Bank-Level Security

NMLS Licensed

Fully Regulated

500+ Investors

Trusted Partners

$50M+ Funded

Proven Track Record

4.9/5 from 200+ reviews

Why Savvy Investors Choose DSCR Loans

Debt Service Coverage Ratio loans are designed specifically for real estate investors. Qualify based on property income, not personal finances.

No Personal Income Verification

Qualify based on your property’s cash flow, not your personal tax returns or W2s. Perfect for self-employed investors and those with complex income situations.

No W2s • No Tax Returns • No Bank Statements

Close in 14-21 Days

Get pre-approved in 24-48 hours and close your loan in as little as 14 days. Never miss a deal because of slow financing.

Pre-approval: 24-48 hrs • Close: 14-21 days

Loans Up to $5 Million

Finance single-family homes, duplexes, triplexes, fourplexes, and multi-family properties. Scale your portfolio without limits.

$500k - $5M Loan Amounts

Unlimited Properties

No cap on the number of properties you can finance. Build your rental empire without traditional lending restrictions.

No Property Limits

Competitive DSCR Rates

Interest rates based on your property’s Debt Service Coverage Ratio. Better cash flow means better rates.

Rates from 7.5% APR

Entity Borrowing Allowed

Finance properties in your LLC, corporation, or trust. Protect your personal assets and optimize your tax strategy. 

LLC • Corp • Trust

Geographic Specialization

Expert DSCR Lending in California & Florida

California

High-value property expertise, navigating complex regulations, competitive offer structuring for $750K+ properties.

Jumbo DSCR Loans

Rent Control Navigation

Prop 13 Transfer Expertise

Florida

Landlord-friendly financing for rapid acquisition markets. Support for out- of-state and vacation rental investors.

Rapid Acquisition

Multi-Market Portfolios

Short-Term Rental Expertise

Free DSCR Calculator

Calculate Your Debt Service Coverage Ratio

See how investors in California and Florida are scaling their portfolios with MTN Lending’s DSCR loans.

Enter Your Property Details

Your DSCR Ratio Needs Review
0.00

Your ratio may need improvement.

Estimated Loan Amount
$0
Based on your rental income and estimated terms
Monthly Breakdown
Rental Income +$0
Est. Mortgage Payment -$0
Property Expenses -$0
Monthly Cash Flow -$0
What is DSCR?
Debt Service Coverage Ratio (DSCR) measures your property's ability to cover its debt payments with rental income. A DSCR of 1.25 or higher typically qualifies for the best loan terms.
Enter your details to see your ratio

Investor Success Stories

Trusted by 500+ Real Estate Investors

See how investors in California and Florida are scaling their portfolios with MTN Lending’s DSCR loans.

“I was under contract on a Fresno duplex with a 10-day close contingency. Traditional lenders needed 45 days. MTN Lending pre-approved me in 36 hours using just the property’s rent roll. We closed on day 9. I’ve since used them for 4 more acquisitions.”

Sarah Rodriguez

Miami, FL

Property

Duplex

Time to Close

9 days

Total Deals

5 with MTN

“As an out-of-state investor, I needed a lender who understood the Florida market. MTN made it seamless. No personal income docs, just the property numbers. Closed my first fourplex in 16 days and I’m already working on my next two properties.”

Sarah Rodriguez

Miami, FL

Property

Fourplex

Time to Close

16 days

Total Deals

3 with MTN

“The jumbo DSCR expertise at MTN is unmatched. I needed $3M+ for an 8-unit in LA. Other lenders couldn’t handle the size or complexity. MTN got me pre-approved in 48 hours and we closed in 18 days. Their team knows California real estate.”

David Park

Los Angeles, CA

Property

Multi-Family (8 units)

Time to Close

18 days

Total Deals

7 with MTN

“I was stuck at 4 properties with traditional lenders hitting me with DTI issues. MTN’s DSCR program let me scale to 12 properties in 18 months. They don’t count personal debt against you. Game changer for portfolio builders.”

Jennifer Walsh

Tampa, FL

Property

Single Family (Portfolio)

Time to Close

14 days

Total Deals

12 with MTN

Investor Impact

$50M+

Total Funded

500+

Investors Helped

14-21

Avg. Days to Close

4.9/5

Average Rating

Marcus Chen

Fresno, CA

Sarah Rodriguez

Miami, FL

David Park

Los Angeles, CA

Jennifer Walsh

Tampa, FL

DSCR Loans vs. Traditional Financing

See why real estate investors choose DSCR loans over traditional mortgages and hard money for rental property acquisitions.

Feature

  • Qualification Basis
  • Documentation Required
  • Speed to Close
  • Interest Rate
  • Loan Term
  • Prepayment Penalty
  • Property Limits
  • Entity Borrowing (LLC)
  • Ideal Use Case

DSCR Loan

Recommended

MTN Lending

  • Property Cash Flow
  • Rent Roll, Property Financials
  • 14-21 Days
  • 7.5% - 9.5% APR
  • 30-Year Fixed, 5/1 ARM
  • None or Minimal
  • Unlimited
  • Yes
  • Long-term Rental Acquisition

Traditional Bank

Conventional Mortgage

  • Personal Income & DTI
  • W2s, Tax Returns, Employment Verification
  • 45-60 Days
  • 6.5% - 8.0% APR
  • 15-30 Year Fixed
  • Varies by Lender
  • Typically 4-10 Properties
  • Limited or No
  • Owner-Occupied Properties

Hard Money

Private Lender

  • Asset Value & Exit Strategy
  • Minimal; Asset-Focused
  • 7-14 Days
  • 10% - 15%+ APR
  • 6-24 Months
  • Often Substantial
  • Case by Case
  • Yes
  • Fix-and-Flip, Bridge Financing

DSCR Loans: The Sweet Spot for Rental Property Investors

DSCR loans combine the speed and flexibility investors need with the long-term, fixed-rate stability of traditional mortgages. No personal income verification means you can scale your portfolio without DTI limits holding you back. Perfect for buy-and-hold strategies in California and Florida's competitive markets.

Simple 3-Step Process

From Application to Funding in 14-21 Days

Our streamlined process is designed for busy investors. No endless document requests, no surprises—just fast, transparent financing.

 

01

Apply Online

Complete our simple online form in just 2 minutes. No lengthy paperwork or document uploads required to get started.

2 minutes

Outcome:

Immediate confirmation & dedicated loan officer assignment

Basic contact information

Property address and type

Estimated value and rental income

Soft credit pull authorization

02

Get Your Terms

Receive your personalized loan proposal with specific rates, terms, and conditions within 4 hours.

Within 4 hours

Outcome:

Specific rate, terms, and consultation scheduling

DSCR ratio evaluation

Loan amount and LTV determination

Interest rate and term options

Closing cost estimate

03

Close Your Loan

Submit documentation, coordinate title and appraisal, and close your loan in 14-21 days from application.

14-21 days

Outcome:

Funded loan & ongoing portfolio relationship

Property appraisal ordered

Title search and insurance

Final underwriting review

Closing and funding

Have Questions?

Speak with a loan officer

(888) 555-0123

Common Questions

Frequently Asked Questions

Everything you need to know about DSCR loans and our lending process.

Will applying affect my personal credit score?
No. We perform a “soft pull” on your credit during the initial application, which does not affect your credit score. A hard inquiry only occurs if you decide to move forward with the loan after reviewing your terms. This allows you to explore your options without any impact to your credit.
No. We perform a “soft pull” on your credit during the initial application, which does not affect your credit score. A hard inquiry only occurs if you decide to move forward with the loan after reviewing your terms. This allows you to explore your options without any impact to your credit.
No. We perform a “soft pull” on your credit during the initial application, which does not affect your credit score. A hard inquiry only occurs if you decide to move forward with the loan after reviewing your terms. This allows you to explore your options without any impact to your credit.
We finance most residential investment property types: Single-family residences, duplexes, triplexes, fourplexes, and multi-family properties (5+ units). We also consider mixed-use and commercial properties on a case-by-case basis. Properties must be investment properties (not owner-occupied) and located in California or Florida.
Our minimum credit score is 640. However, we take a holistic approach to underwriting. A higher DSCR ratio (1.25+) can offset a lower credit score, and we consider factors like investment experience, property quality, and liquid reserves. Scores above 680 typically qualify for our best rates.
Yes, and we encourage it. DSCR loans are designed for entity borrowing. You can finance properties in an LLC, corporation, or trust. This provides asset protection and potential tax advantages. The entity must be in good standing, and we’ll need organizational documents and EIN verification.
No. Unlike traditional mortgages that often limit you to 4-10 properties, DSCR loans have no property count restrictions. We have investors with 20+ properties financed through us. Each property is evaluated on its own cash flow merits, not your personal debt-to-income ratio.
DSCR (Debt Service Coverage Ratio) measures your property’s ability to cover its debt payments. It’s calculated as: Monthly Rental Income ÷ Monthly Debt Service (mortgage + taxes + insurance). A ratio of 1.25 or higher is considered excellent and qualifies for the best rates. A ratio of 1.0 means the property breaks even. We can work with ratios as low as 1.0, though rates may be higher.
Both. We offer 30-year fixed-rate loans for investors who want payment stability, as well as 5/1 and 7/1 ARM options with lower initial rates for investors who plan to refinance or sell within the fixed period. All loans are fully amortizing with no balloon payments.
We currently specialize in California and Florida—two of the most active real estate investment markets in the country. This geographic focus allows us to provide expert guidance on local market conditions, regulations, and investment strategies specific to these states.

Still Have Questions?

Our loan officers are standing by to help you understand your options.

Start My Application
Call (888) 555-0123

M 

MTN Lending

Specialized DSCR loans for real estate investors in California and Florida.

Contact

Phone: (888) 555-0123
Email: info@mtnlending.com

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