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DSCR loans for rental properties

Use your rental income, not your personal income.

  • No personal income documentation required
  • Close on average in 21 days
  • Unlimited cash out. No questions asked
  • Interest rates starting in the 6% range

Backed with confidence by one of the nation’s largest DSCR lenders for landlords. Speak to one of our experienced loan advisors to get a quote today!

Get a flexible DSCR loan

Speak to a loan advisor today!

As seen in
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Why investors choose Mr. Landlord Loan

We’re not just another lender. We’re specialists who understand the unique needs of rental property investors and portfolio builders.

Personalized DSCR application

Forget the standard practices with endless paperwork — we get you wrapped up in under 10 minutes.
Fast, Stress-Free Closing
Your dedicated loan advisor keeps the process fast and stress free — backed by years of experience to get you to closing without the headaches.
Competitive Investor Rates
You’ll get a reliable approval and loan options in quick time, so you can work out your ROI right then and there.
Leverage DSCR for a cash-out
If you’ve got a lease, you likely have cash tied up — money you could use for a downpayment on another property or to make repairs that boost your rent.

Couldn't be easier.

Gettingh my loans consolidated was was easier than I expected. It only took three days and was all done online.

Tanner G.
Amherst, NH
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They know what they are doing!

They truly have the best people to work with. Couldn’t recommend them enough.  

Pauline K.
San Jose, CA
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Just fantastic, easy process.

Very responsive, fast and effective at everything they do.

Victor P.
Little Rock, AR
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See the difference
DSCR loan vs. traditional investment property loans
You can only grow your portfolio so much using personal income. So why not spread your
wings and get into the world of DSCR?

DSCR loan

  • Based on rental income (no W-2s, no tax returns)
  • Funding in as few as 21 days
  • Minimal — no tax returns, no personal income verification
  • Up to $5M (no appraisal under $400K)
  • Designed for real estate investors and corporations

Traditional loan

  • Based on personal income and DTI
  • Can take weeks or months
  • Extensive documentation required
  • Often requires appraisals regardless of loan size
  • Standard title requirements with potential delays
  • Often more restrictive for investors
Do the math
Our numbers tell the story

You can only grow your portfolio so far using personal income. Why not expand into the world of DSCR?

With conventional loans, your borrowing power is tied to your personal income — after a few properties, you hit the ceiling.

DSCR (Debt Service Coverage Ratio) measures a property’s gross rental income against its debt payments, including principal, interest, taxes, and HOI. The higher the ratio, the better the rate.

3

Weeks

Average time to close out cash refi

5.0

★★★★★ Google Review

97%

Approval to close rate

32%

Investor loans

1st

Top-rated DSCR lender

Ready to get started?
Chat to a Mr. Landloard Loan guide about the shortest path to your DSCR loan.
Apply now