Lender · NY · Member since 2025 · 514 posts · 23 votes
Looking to finance a rental property with a DSCR loan? As an investor-friendly private lender, I offer flexible DSCR loans that might fit your needs. Here's an overview of what you can expect in our program:
Competitive rates: DSCR loan rates starting at 6.25%* for qualified borrowers.
High leverage: Up to 80% LTV financing on purchases and refinances.
Long-term stability:30-year fixed terms (fully amortizing) available, so you can lock in your rate long-term.
Flexible options: ARM loans (5/1 and 7/1) available if you prefer a lower rate for the initial years.
No hefty prepay penalties: No prepayment penalty after year 3 – refinance or sell after 36 months with no extra cost.
Interest-only option: Interest-only payments available (great for maximizing cash flow in the early years).
Property types: Eligible for 1-4 unit rentals (single-family homes, duplexes, triplexes, fourplexes), condos, and etc.
Investors helping investors: I know how important it is to get solid financing for your deals. If you’re curious what terms you might qualify for or want to run a scenario by me, feel free to message or reply here on BiggerPockets. Let’s see how we can help you scale your portfolio!
Disclaimer:Rates and terms are subject to change and qualification.Investment properties only. Not an offer to extend consumer credit; all loans subject to final approval.
Investor · San Francisco, CA · Member since 2026 · 5 posts · 2 votes
1w
My parents have a property in San Francisco currently doing a major $700k+ remodel, including addition of a legal ADU, making a SFR into a legal 2 unit property, likely appraise for over $2 mil in a few months. These 2 units are rented out to family at way below market rent, but to recoup the remodel cost, my parents can restructure the rent numbers to be even $6-$8k total/mo. Was originally considering a traditional HELOC, but now with interest rates going up, wondering if DSCR is more competitive and suitable for this situation. The property is paid off. Plan to use the new loan towards paying for the remodel and OOS real estate.
Can you please explain what the options for the best terms and rates?
The ADU addition sounds like a great way to increase the property's rental potential and create more flexibility with the income.
With the remodel and two legal units, have you ever considered a co-living/room-by-room strategy as another way to increase rental income, especially with a property in San Francisco? A good property management company can also take a lot of the day-to-day work off your plate.
Would be happy to connect and compare notes if you’re open to it.