DSCR Rental Loans
Smart Financing for Scalable Rentals
Looking to purchase your next rental, refinance an existing one, or pull cash from your portfolio? Estates of Elysium connects real estate investors with DSCR rental loans that are built for scale, not red tape. If your property cash flows, you're in business—no tax returns, no W-2s, no traditional underwriting headaches.
Our Process: Fast. Focused. Built for Scale.
Competitive Loan Terms:
Maximize your rental income with high leverage, strong loan-to-value options, and rates built for real estate investors.
Streamlined & Hassle-Free
No tax returns. No W-2s. We connect you with lenders who focus on the deal—not your day job—so you can close faster and with less paperwork.
Built-In Flexibility & Support:
We guide you from application to funding—clearly and efficiently—so you can focus on growing your portfolio.
Rates & Terms
DSCR Rental Loan Options Designed for Real Estate Investors
Loan terms are based on your property’s rental income, not your personal income—so you can qualify based on cash flow and scale your portfolio with confidence. Whether you're acquiring, refinancing, or cashing out, we’ll help you secure competitive terms tailored to your deal.
Why Estates of Elysium?
We combine deep market knowledge with innovative tech to offer funding that meets your timeline, your deal size, and your investment goals.
Fast Closings
No W-2s, no tax returns. You’ll get access to lenders that underwrite based on property performance, with a seamless process that lets you close quickly and confidently.
Tech-Driven Insights
Modern lending platforms use market data, property analytics, and rental performance to deliver customized loan terms—not cookie-cutter quotes.
Digital Integration
From application to closing, everything happens online. Upload documents, track your loan status, and get real-time updates without the back-and-forth.
Financing That Fits
Avoid delays from traditional appraisals. Our partners use internal valuation methods that help you move faster—so you can lock in great deals before the competition.
Adjustable-Rate Mortgages (ARMs)
for Real Estate Investors
Flexible Financing to Maximize Monthly Cash Flow
Adjustable-rate mortgages (ARMs) offer a lower fixed interest rate for the first 5–7 years, followed by a rate that adjusts with the market. This structure allows many real estate investors to optimize short- to mid-term cash flow, especially on rental properties they plan to hold, stabilize, or refinance down the line.
Whether you're scaling quickly or looking to free up liquidity, ARMs can be a smart way to keep more of your returns month after month—while still benefiting from long-term loan options.
5/1 ARM
Fixed for 5 Years
Enjoy a lower fixed rate for the first 5 years, then transition to a variable rate. Available with fully amortizing or interest-only payment options.
7/1 ARM
Fixed for 7 Years
Lock in a stable rate for 7 years before the rate adjusts with the market. Choose from fully amortizing or interest-only structures to match your cash flow strategy.
Frequently Asked Questions
Everything You Need to Know About DSCR Rental Loans
Whether you're new to rental investing or scaling your portfolio, we’re here to make financing simple. Below are answers to common questions to help you move forward with clarity and confidence.
Q. What is a DSCR loan?
A. A DSCR (Debt Service Coverage Ratio) loan is a type of rental loan based on the income of the property—not your personal income. It’s ideal for investors who want to qualify without submitting tax returns, W-2s, or pay stubs.
Q. What types of properties qualify for DSCR rental financing?
A. DSCR is the ratio of a property's monthly rental income to its monthly debt obligation (principal, interest, taxes, insurance, and HOA, if applicable). Most lenders look for a DSCR of 1.0 or higher to qualify.
Q. Can I refinance or pull cash out using a DSCR loan?
A. Yes. We can help you refinance existing rental properties or pull cash out of your equity to reinvest, renovate, or consolidate debt—without the red tape of conventional banks.
Q. Can I bundle multiple rentals under one loan?
A. Yes—if you have 5 or more stabilized rental properties, a portfolio loan may be a better fit. We can help you structure one loan to cover your entire portfolio, simplifying management and improving cash flow.
Q. Is DSCR financing a good option for first-time investors?
A. Absolutely. DSCR loans offer flexible guidelines, no income verification, and a faster path to funding—making them ideal for new investors building passive income through real estate.
Resources
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DSCR Loans Demystified: The Investor’s Shortcut to Passive Income
Learn how DSCR loans let you qualify based on rental income—not personal income. This guide breaks down how to use them to scale your portfolio faster.
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From 1 to 10 Units: The Blueprint for Growing Your Rental Empire
Going from a single property to a real portfolio takes strategy. We’ll show you how to finance, structure, and scale without burning out, right here — right now.
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Protect the Bag: Insurance, Loans & Long-Term Rental Strategy That Pays
Your rental income is only as strong as your structure. Discover how to finance and insure like a pro while planning for the future in this article.
