DSCR Investor Purchase Loans – Buy Turnkey Rentals with Ease

Real On Rise Capital Inc (NMLS #2493728) is your trusted lending partner for DSCR rental purchase loans. Buy rental properties with as little as 15% down and qualify based on rental income—not personal income.

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Available in 44 States | Up to 85% LTV  Up to 10 Units

Purchase Loan Highlights:

• 30-Year Fixed Rate – Principal & Interest

• DSCR Rental Income Qualification – No tax returns or W-2s

• 660+ Minimum FICO (620+ Case by Case)

• Up to 85% LTV – Only 15% down required

• No Prepayment Penalty Options

• 1–5 Year Prepay Penalty Terms Available

• Buy in Your Personal Name or LLC

• Perfect for Turnkey and Cash-Flowing Rentals

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Invest Without Income Docs

We make it simple for real estate investors to buy and hold properties nationwide with flexible financing and a fast, investor-friendly process.

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DSCR Investor Refinance Loans – Cash Out or Rate & Term Refi's

Already own investment properties? Refinance using our DSCR-based loan programs and unlock equity, lower your rate, or exit your balloon loan — with no income documentation required.

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Refinance Available in 44 States | Cash-Out Options | LLC-Friendly

Refinance Loan Highlights:

• DSCR-Based Refinance or Cash-Out Refi

• No Income Verification – Qualify Using Rental Income

• ​660+ Minimum FICO (620+ Case by Case)

• Up to 75–80% LTV for Cash-Out

• 30-Year Fixed Rate – Principal & Interest

• Flexible Prepayment Penalty Terms (1–5 Years)

• No Seasoning Required in Many Cases

• Refinance from Balloon, ARM, or Bridge Loans

• Close in Personal Name or LLC

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Refinance Smarter. Grow Bigger.

Turn equity into opportunity. Whether you want to cash out, consolidate, or exit a short-term loan, our DSCR refinance programs are designed for long-term investors who want flexibility and freedom

We Lend in 44 States — Entity Closings Welcome

Real On Rise Capital Inc (NMLS #2493728) proudly offers Non-DSCR investment property loans to clients closing in LLCs, trusts, or corporations across the nation. We currently serve investors in the following 44 U.S. states, providing flexible financing solutions tailored to your investment goals.

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States Where We Do Business:

Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Eligible for:

• Non-DSCR Loans

• Entity Closings (LLC, Trust, Corp)

• Rental Property Financing

• Purchase & Refinance

Whether you're acquiring your next rental or refinancing an existing property, our team is ready to support you with fast closings, investor-friendly terms, and full transparency.

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Credit Score, DSCR & Underwriting Guidelines

At Real On Rise Capital Inc (NMLS #2493728), we provide flexible loan programs tailored for real estate investors, with underwriting designed to accommodate a range of credit profiles and investment strategies.

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Minimum Credit Score Requirements:

• 660+ FICO – Standard minimum for Non QM DSCR loans

• 620–659 FICO – Considered case-by-case with compensating factors like strong rental income, low LTV, or investor experience

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DSCR (Debt Service Coverage Ratio) Guidelines:

• Minimum DSCR of 0.75 generally required

• DSCR below 0.75 may be considered case-by-case depending on overall borrower and property strength

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Seasoning Requirements:

• Seasoning on property ownership, loans, or rehab varies by program, usually between 0 to 6 months

• Exceptions can be made for qualified borrowers or strong investment scenarios

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Underwriting Notes:

• All loans are subject to full credit, asset, and property review

• Guidelines may vary based on loan type, state, property, and borrower profile

• DSCR and Non-QM loans focus primarily on asset and property performance, often without tax returns or W-2s

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Eligible Property Types & Guidelines

At Real On Rise Capital Inc (NMLS #2493728), we offer financing for a broad range of residential and investment properties nationwide. Below are the eligible property types along with key loan-to-value, credit, DSCR, and loan amount guidelines to help you make informed financing decisions.

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Eligible Property Types & Loan Details:

• Single Family Residence (SFR)

• Townhome

• Warrantable / Non-Warrantable Condo

  • Limited Review

  • Max Combined Loan-to-Value (CLTV): 75% (Florida max 70%)

• Condotel

• 2-4 Unit Properties

  • Max CLTV: 80%

  • Loan Amount Range: $100,000 minimum up to $3,000,000 maximum

• Planned Unit Development (PUD)

• SFR Rural

  • Max CLTV: 80%

  • Minimum FICO: 680

• Short-Term Rental

  • Max CLTV: 80%

• Multifamily Properties (5+ units)

  • Max CLTV: 75%

  • Minimum FICO: 680

  • Minimum Loan Amount: $400,000

  • Minimum DSCR: ≥ 1.1

• Mixed-Use Properties

  • Max CLTV: 75%

  • Minimum FICO: 680

  • Minimum Loan Amount: $400,000

  • Minimum DSCR: ≥ 1.1

• Leasehold Properties

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Important Notes:

• Loan amounts for 1-4 unit properties range from $100,000 up to $3,000,000.

• Maximum CLTV and credit score minimums vary by property type and location.

• DSCR guidelines primarily apply to income-producing properties such as multifamily and mixed-use.

• Some property types may require additional review or documentation.

Close in an Entity or Personal Name —

Flexible Ownership Options

At Real On Rise Capital Inc (NMLS #2493728), we understand that real estate investors have diverse ownership structures. That’s why we offer flexible closing options designed to meet your specific needs:

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Close in:

• Personal Name — Ideal for individual investors and owner-occupants

• Entity Name — Close in your LLC, Trust, Corporation, or Partnership for asset protection and tax benefits

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Joint Venture & Partnership Financing

We support deals with multiple partners and allow up to 4 partners per transaction. This flexibility makes it easier to pool resources and invest collaboratively.

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Ownership Requirements & Guidelines:

• Maximum of 4 owners/partners per loan

• Ownership can be held via LLC, Corporation, Trust, or individually

• All partners must meet credit and income requirements as applicable

• Suitable for single investors, joint ventures, and family partnerships

• Joint venture agreements and operating agreements may be required for entity closings

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Why Choose Entity Closings?

• Liability protection for investors

• Simplified estate planning and transfers

• Potential tax advantages

• Easier to structure joint ventures and partnerships​

Get Prequalified for Your DSCR Loan​

Prequalification is the first step toward securing your investment property financing with Real On Rise Capital Inc (NMLS #2493728). To speed up the process and get you closer to approval, here are the key questions we’ll ask to evaluate your eligibility for Purchase and Refinance DSCR loans.

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Purchase DSCR Prequalification Questions:

• Property Address

• Purchase Price

• Current Rental Income (Is the property rented or vacant?)

• Market Rents (Expected rental income in the area)

• Property Taxes

• Insurance Costs

• HOA Fees (If applicable)

• Estimated FICO Score

These details help us assess the property's income potential and your qualification for the loan.

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Refinance DSCR Prequalification Questions:

• Property Address

• Current “As Is” Property Value

• Payoff Amount (Is the loan free & clear or is there an existing mortgage?)

• Current Rental Income (Rented or vacant?)

• Market Rents

• Property Taxes

• Insurance Costs

• HOA Fees (If applicable)

• Estimated FICO Score

This information lets us evaluate your current loan status and property income to tailor the best refinance solution.