Investment-property financing based on eligible property cash flow.
A DSCR loan may focus primarily on qualifying rental income and property cash flow rather than standard personal-income documentation.
Get Pre-Approved Start with an inquiry. A loan decision requires review.
Who this may help
- Rental-property investors
- Purchase transactions
- Refinance transactions
- Portfolio growth
- Eligible residential investment properties
Common uses
- Rental purchase
- Rental refinance
- Portfolio planning
- Property-cash-flow review
Loan programs, documentation requirements, maximum LTV, rates, terms, and eligibility vary by lender and borrower scenario. All loans are subject to underwriting approval and program availability. This is not a commitment to lend.
What to have in mind
These details help explain your situation. You can start the inquiry before gathering every document.
Keep sensitive documents for the secure upload process. Do not send them by general email.
- Property details
- Estimated rental income
- Purchase price or value
- Loan amount
- Occupancy and lease context
What happens next
The inquiry starts the conversation. Final options depend on the full review.
How the loan process worksShare the property, borrower, and loan goal.
Review the documentation path that may fit.
Discuss possible next steps before moving deeper into paperwork.
Move forward only when the borrower understands the direction.
Questions about DSCR
General guidance to help you decide what to ask.
Are exact DSCR ratios listed here?
No. Ratios and requirements vary by lender, property, and full review.
Can portfolio investors start here?
Yes. Share the general property and loan goal so the review can begin.
Talk through your plans.
Tell Citadel about the property and what you want to do. We can review the details with you.
Get Pre-Approved