Goal
Property
About You
Get Quote
What's your goal?
Are you buying a new investment property or looking to improve the terms on one you already own?
Purchase
Refinance — Rate & Term
Refinance — Cash Out
Please select a transaction type.
Purchase details
DSCR minimum is typically 20–25%
Refinance details
Title seasoning may affect eligibility.
Has existing mortgage
Free & clear
Cash-out details
Tell us about the property
The more you can share, the more accurate your rate quote will be.
Required
Required
Rental status & income
Currently leased
Vacant
Short-term rental
Lease details
Vacant property
A market rent appraisal (1007/1025) will be used to establish qualifying rent for the DSCR calculation.
Short-term rental
Active — 12+ months history
Active — less than 12 months
Not currently rented as STR
Actual trailing 12-month statements will be used for income qualification.
Yes
No
Yes
No
AirDNA market projections will be used alongside available actuals to establish qualifying income.
Yes
No
Yes
No
AirDNA market projections will be used to establish qualifying income.
Property expenses
A little about you
DSCR loans qualify on the property's income — not yours. This helps us find your best rate.
Required
Required
Required
Required
Credit & financial profile
Required
None
Mortgage lates
Bankruptcy
Foreclosure
Short sale
Derogatory event details
Most DSCR lenders require 2–4 year seasoning from the resolution date.
Buy-and-hold rentals only — please exclude flips or properties you've sold.
Vesting & ownership
Required
Entity owners
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Review your details, then hit the button to get your personalized rate quote and document checklist.
Your quote summary
Your rate quote is on its way
You're all set — here's what comes next
We've reviewed your scenario and will be in touch shortly with your personalized rate options. In the meantime, here's a head start on your document checklist so you're ready to move fast when you find the right deal.
Loan summary