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BearCrest loan program

DSCR Rental Loans

Long-term rental financing that focuses primarily on the property’s income rather than traditional personal-income documentation.

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The BearCrest advantage

Financing options built around your opportunity.

We structure DSCR financing around the property’s rent, loan amount, credit profile, and your long-term plan. Qualifying purchase transactions may reach up to 85% loan-to-value, and select BearCrest programs begin around a 620 credit score. We focus primarily on the property’s rental income instead of traditional personal-income documentation.

Up to 85% LTVOptions from 620 FICONo traditional income docs

Who it’s for

Investors buying, refinancing, or taking cash out of a rental property held for income.

What we offer

A financing path built around the project.

  • Qualification centers on expected or current rental income
  • Purchase, rate-and-term refinance, and cash-out options
  • Programs may be available for short-term rentals and first-time investors
  • Credit and DSCR requirements vary, allowing us to search for the best available fit

What we can consider

Where this program can fit.

  • Finance qualifying purchases up to 85% loan-to-value
  • Consider select borrower profiles beginning around a 620 credit score
  • Use current or market rent to measure the property’s ability to cover its housing payment
  • Offer purchase, rate-and-term refinance, cash-out, long-term-rental, and select short-term-rental options

Important limitations

What borrowers should know.

  • The property must produce enough qualifying rent for the selected program’s DSCR requirement
  • Taxes, insurance, association dues, interest rate, and loan payment all affect the calculation
  • Higher leverage and lower credit-score options may carry different rates, reserves, or prepayment terms
  • DSCR loans are for business-purpose investment properties, not owner-occupied homes

The process

From opportunity to a clear financing plan.

  1. 01

    Share the property address and estimated rent

  2. 02

    We review taxes, insurance, and the proposed payment

  3. 03

    The property’s DSCR is calculated

  4. 04

    We compare available rate and prepayment options

Important to know

DSCR compares qualifying rent with the property’s housing payment. A stronger ratio generally creates more financing flexibility.

Have a property in mind?

Tell BearCrest about the property, the project, and what you want to accomplish.

Apply for DSCR Rental Loans