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Rental / DSCR Loan Program

DSCR Rental Loans — No Income Verification

Build your rental portfolio without W-2s, tax returns, or income verification. Our DSCR loans qualify on the property's cash flow — not your personal income. 30-year fixed terms. Same-day commitment.

No Income Verification30-Year Fixed TermRates From 6.5%Up to 80% LTVVacant Properties OKCash-Out Refinance
Get a Same-Day Term Sheet 📞 (516) 336-9293
Loan Terms at a Glance

DSCR Rental Loans — No Income Verification — Program Details

Loan Amount
$75,000+
Minimum for DSCR loans
Interest Rate
From 6.5%
Competitive DSCR rates
Loan Term
30 Years
Fixed rate available
Max LTV
Up to 80%
Purchase or refinance
DSCR Minimum
1.0x
Rent ÷ PITIA ratio
Income Docs
None
No W-2s, no tax returns
Min FICO
660
Credit score minimum
Vacant OK
Yes
Property can be vacant at close
Cash-Out
Available
Refinance with cash out
Close Time
14–21 Days
From application to close

Who This Loan Is For

  • Self-employed investors with complex tax returns
  • Portfolio investors who've maxed conventional loan limits
  • BRRRR investors refinancing after renovation and stabilization
  • Short-term rental (Airbnb/VRBO) property owners
  • Investors who prefer privacy over income disclosure

How It Works — 5 Steps

1

Submit Property Details

Provide the property address, estimated rent, purchase price or current value, and your 660+ FICO score.

2

DSCR Calculation

We calculate DSCR: monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance, HOA). Minimum 1.0x required.

3

Full Appraisal

A full appraisal is ordered to determine market value and confirm rental rate comparables.

4

Underwriting & Approval

Our underwriting is based entirely on the property's cash flow — no personal income review.

5

Close & Fund

Close in 14–21 days. No last-minute income documentation requests. A clean, predictable process.

4.7M
New US Renters (2024)
New rental households — sustained demand for landlords
94.7%
Rental Occupancy Rate
US average 2025 — near 10-year high
$2,850
NY Metro Avg Rent
Average monthly rent in the NY metro area 2025
6.5%
DSCR Rate From
Sab Tera Lending starting DSCR rate
What Investors Say

Why Investors Choose Sab Tera First

★★★★★

"As a self-employed investor I always struggled with income documentation. Sab Tera's DSCR loan was a revelation — qualified entirely on the property's rent. I've now closed 5 rentals with them and my portfolio is growing faster than ever. Zero income docs required at any stage."

JT
Jennifer T.
Rental Portfolio — Bergen County, NJ
★★★★★

"The BRRRR strategy with one lender. I used Sab Tera's fix and flip loan to renovate, then refinanced into their DSCR loan once tenanted. Cash-out funded my next deal. No income verification at any stage. My portfolio is at 7 properties and climbing."

LV
Linda V.
DSCR Investor — Suffolk County, NY
★★★★★

"They used projected Airbnb income to qualify my DSCR loan in Florida — something most lenders refuse to consider. 30-year fixed at 6.5%, no personal income docs. Perfect for my short-term rental strategy. Already used them for three Florida properties."

PW
Patricia W.
Short-Term Rental Investor — Orlando, FL
Investor Guide

How DSCR Loans Work — The Complete Investor Guide

DSCR (Debt Service Coverage Ratio) loans are the preferred financing vehicle for serious rental portfolio investors. At Sab Tera Lending, our DSCR rental loans qualify entirely on the property's income — no W-2s, no tax returns, no pay stubs. We lend in New York, New Jersey, Florida, Texas, and all our service states.

How DSCR Is Calculated

DSCR = Monthly Gross Rent ÷ Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA). A DSCR of 1.0 means the property breaks even. A ratio of 1.25 means the property generates 25% more income than its debt obligations. We typically require a minimum DSCR of 1.0. Read our full DSCR guide →

DSCR Loans and the BRRRR Strategy

The BRRRR method (Buy, Rehab, Rent, Refinance, Repeat) pairs perfectly with our loan lineup. Use our fix and flip loan to acquire and renovate, then refinance into a DSCR loan once tenanted. Pull cash out to fund your next acquisition — full cycle, one lender.

Vacant Properties and Short-Term Rentals

We allow vacant properties at closing. For vacant properties, we use market rent from the appraisal to calculate DSCR. We also finance short-term rental properties (Airbnb, VRBO) using projected income — especially valuable in Florida, Texas, and South Carolina coastal markets.

Common Questions

Frequently Asked Questions

We typically require a minimum DSCR of 1.0 (break-even). A DSCR of 1.25+ qualifies for the most favorable rates and terms. For experienced investors with multiple properties, we may be able to accommodate ratios slightly below 1.0 on a case-by-case basis.
Yes — this is one of our key advantages over conventional lenders. For vacant properties, we use market rent from the appraisal to calculate DSCR. You do not need tenants in place to close.
Yes. Our DSCR program supports cash-out refinances on existing rental properties. Pull equity without showing personal income. Most investors use cash-out proceeds to fund additional acquisitions.
We finance single-family rentals (SFR), 2–4 unit multifamily, and in some cases 5+ unit properties. Properties must be non-owner-occupied investment properties. Short-term rental properties are eligible in qualifying markets.
Yes. We can use projected short-term rental income (Airbnb, VRBO) to calculate DSCR in eligible markets — particularly Florida, Texas coastal areas, and South Carolina. Contact us to confirm STR eligibility for your specific market.
View All FAQs →
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Apply for a DSCR Rental Loan Today

No income verification · 30-year fixed terms · Rates from 6.5% · Up to 80% LTV · Same-day commitment

Apply Now — It's Free 📞 (516) 336-9293