DSCR Rental Loans

Black Swan Lending delivers competitive DSCR loans designed to help you finance new purchases, refinance existing rentals, or leverage equity to grow your portfolio.

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Flexibility

BlackSwan Lending provides DSCR loan solutions tailored for real estate investors at any stage, from beginners to seasoned professionals.

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Wide Application

Use our loans to finance a new purchase, refinance an existing property, or unlock equity from your rental portfolio.

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Competitive Rates

With some of the most attractive terms in the non-QM space, we make financing your rentals accessible and cost-effective.

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Wealth Growth

Our DSCR loans are designed to help you scale your rental holdings and build long-term wealth through real estate.

About Loan

DSCR Rental Loan

Black Swan Lending offers flexible, competitive DSCR loan solutions for real estate investors of all experience levels. Whether you’re looking to finance a new purchase, refinance an existing property, or unlock equity from your rental portfolio, we’re here to help. With some of the most competitive rates in the non-QM space, we make it easy to scale your rental holdings and build long-term wealth through real estate. Trust, integrity, and your success aren’t just values – they’re our promise.
Highlights

Long-term Rental Loans

Black Swan Lending calculates financing terms on the strength of the asset – giving you a path to funding, regardless of your background.

A long-term rental loan is the right choice when you’re looking to buy and hold a rental property for consistent cash flow over time.

Black Swan Lending offers flexible, competitive DSCR loan solutions for real estate investors of all experience levels. Whether you’re looking to finance a new purchase, refinance an existing property, or unlock equity from your rental portfolio, we’re here to help. With some of the most competitive rates in the non-QM space, we make it easy to scale your rental holdings and build long-term wealth through real estate.

Long-term rental

Loan Size
Up to $10,000,000
LTV
Up to 80% LTV
DSCR
As low as .75 DSCR
Term
30-Year Fixed - Fully Am - 10-Yr IO - ARM Options
Interest rates
from 5.75%
Prepayment Penalty
0 to 5 Year PPP
Origination
0% - 3.00%
Highlights

Short-term Rental Loans

Black Swan Lending calculates financing terms on the strength of the asset – giving you a path to funding, regardless of your background.

A short-term rental (STR) loan is the right choice when you’re financing a property you plan to operate as a vacation rental or furnished rental—on platforms like Airbnb, Vrbo, Furnished Finde, etc.

When is short-term rental the right choice?

  • Want to operate on Airbnb, Vrbo, etc.
  • Need a lender who will recognize nightly income potential
  • Are buying in a high-traffic or seasonal destination
  • Long-term market rent severely under-values your property’s cashflow
  • Plan to self-manage or use a STR property management company

Long-term rental

Loan Size
Up to $10,000,000
LTV
Up to 80% of value
DSCR
As low as 1.00 DSCR
Term
30-Year Fixed - Fully Am - 10-Yr IO - ARM Options
Interest rates
from 6.25%
Prepayment Penalty
0 to 5 Year PPP
Origination
0% - 3.00%
Long-term rental

When is Long-term rental the right choice?

1
Prefer stable, monthly rental income
2
Are building a passive-income portfolio
3
Plan to refinance into a 30-year term and hold the property
4
Want to qualify based on rental income rather than personal income
Short-term rental

When is Short-term rental the right choice?

1
Want to operate on Airbnb, Vrbo, etc.
2
Need a lender who will recognize nightly income potential
3
Long-term market rent severely under-values your property’s cashflow
4
Are buying in a high-traffic or seasonal destination
5
Plan to self-manage or use a STR property management company
Case Study

Uses for DSCR Rental Loans

You Want to Qualify Based on Property Income, Not Personal Income

DSCR (Debt-Service Coverage Ratio) loans are based on how well the property’s income covers the mortgage—not your W-2, tax returns, or employment history.

You Have a Strong Short-Term Rental in a High-Demand Market

If you’re operating an Airbnb, Vrbo, or similar rental, a DSCR loan can work if it uses market-based rental projections and the property meets coverage requirements.

You’re Holding the Property for Rental Income

Whether it’s a long-term tenant or short-term vacation rental, a DSCR loan is designed for buy-and-hold investors seeking predictable monthly cash flow.

You’re Refinancing After a Rehab or Flip

Once a property is stabilized and generating income, a DSCR loan can be used to refinance out of a bridge or fix-and-flip loan and lock in long-term terms

You’re Scaling a Rental Portfolio

DSCR loans allow more flexibility for investors who own multiple properties and are looking to grow without traditional lending limits.

Testimonials

What Our Clients Are Saying

FAQ

Frequently Asked Questions

How do DSCR rental loans work?

Instead of verifying the borrower’s W-2s, tax returns, or pay stubs, lenders use the DSCR to evaluate whether the property’s rental income can cover its debt obligations.

 

  • The formula: The DSCR is calculated by dividing the property’s net operating income (NOI) by its total monthly or annual debt service

Contact Us

Proven Team. Trusted Lending Partner.

With extensive industry expertise and an unwavering commitment to service, our team has successfully partnered with hundreds of real estate investors on projects nationwide.