Finance your rental portfolio with ease
Want to grow your rental portfolio without the red tape? Our DSCR Loan qualifies you based on rental income, not W2s or tax returns, so you can focus on building wealth
instead of paperwork.
Why investors love this program:
- 30-year fixed-rate financing – predictable payments.
- Purchase or refinance in an LLC – protect your personal assets.
- Qualification based on rental income – simple, streamlined, stress-free.
Let your properties pay for themselves while your portfolio grows.
| Loan Amount | $100,000 to $5,000,000 |
| Minimum Credit | 640 |
| Minimum DSCR Coverage | As Low as .75 |
| Rates | Rates starting at 5.75% |
| Points | 0–4% (Discount Points) |
| Payment | Fully Amortized, I/O, No PPP Options |
| Purchase Loan to Value (LTV) | Up to 85% |
| Cash Out Refinance Loan to Value (LTV) | Up to 75% |
| Eligible Locations | 50 States |
| DSCR Range | 0.75 – 1.25 |
DSCR Loan Details
Vision First Capital DSCR Loans are tailored for rental property
investors looking to scale their portfolio with reliable, income-based
financing.
- Single Family Homes
- Duplex, Triplex, Quadplex
- Condotels
- Non Warrantable Condo
- Warrantable Condos
- 5+ Unit Apartments
- Mixed Used
You’ll appreciate the simplicity of closing with Vision First Capital,
powered by our common-sense, investor-friendly underwriting. We
focus primarily on credit, property details, and cash flow, not excessive
documentation.
No tax returns. No income verification. Straightforward qualification
designed for real estate investors.
To keep your loan moving quickly, please have the following items
ready:
- Purchase Contract (if purchasing)
- List of Real Estate Owned
- Property Insurance
- Driver’s License
- Last 2 Bank Statements
- Subject Property Lease
- LLC / Entity Documents (if applicable)
- Loan Payoff Statement (if refinancing)
Vision First Capital—simple, strategic financing built to help investors
scale with confidence.
How It Works
A clear path to funding, built around speed, structure, and trust.
Share Your Vision
Tell us about your deal, goals, and timeline.
Review & Structure
We assess options and structure the right financing.
Match With Capital
We connect you to the best-fit lender or investor.
Approve & Close
Move through approval and close efficiently.
Frequently Asked Questions
What is a Rental Loan?
A Rental Loan is designed for income-producing residential properties, offering long-term financing options for investors focused on stable cash flow.
What loan terms are available?
This program offers 5, 7, 10, and 30-year loan term options.
Is income verification required?
No. This program does not require income documentation, provided minimum credit guidelines are met.
What credit score is needed to qualify?
A minimum 580 FICO score is required.
How much can I borrow?
Most Rental Loans close within 7–10 days, subject to documentation and property review.
How quickly can a Rental Loan close?
Most Rental Loans close within 7–10 days, subject to documentation and property review.
Who is this program best suited for?
This program is ideal for buy-and-hold investors seeking long-term, stable financing for rental properties.
What information is needed to get started?
Basic property details, borrower information, and credit details are typically required for initial review.