I am always a fan of working with Brian and his team at Beacon Lending. He is quick, professional, thorough, and great at what he does.
Rachel Smith
Austin, Texas
April 2025 “DSCR cash out refinance” 30 year fixed on a recently built and rented investment property. The team at Beacon made everything super easy, with great communication and tools.
Michael Buell
Austin, Texas
This is the 2nd mortgage Brian has helped me obtain. He’s professional and did what was needed to get me the best deal.
James Woodley
Austin, Texas
What It Is
What Is a DSCR Loan?
A DSCR (Debt Service Coverage Ratio) loan allows investors to qualify based on the income of the property, not their personal income. Instead of reviewing tax returns, pay stubs, or W-2s, the lender evaluates whether the rental income covers the monthly mortgage payment including principal, interest, taxes, insurance, and HOA (if applicable).
Who It’s For
DSCR Loans are Designed Specifically for
Rental property investors
Self-employed borrowers
Business owners and entrepreneurs
Investors scaling a portfolio
Buyers scaling a multi-property portfolio
Short-term rental (Airbnb/STR) investors
Why Beacon Lending
When You Work with Beacon Lending, You Get
Clear guidance on target DSCR ratios
Realistic rent and expense analysis
Strategic structuring based on your long-term goals
Transparent communication from start to finish
Closings in as little as 30 days
FAQs
Frequently Asked Questions
What credit score do I need for a DSCR loan?
Most DSCR programs require a minimum credit score of 620-660, depending on the
lender and loan structure. Higher credit scores unlock better rates and terms. If you’re
purchasing through an LLC with multiple partners, the credit score of the guarantor is
what matters — not every member of the LLC.
Do I need a down payment?
Yes. Most DSCR loans require 20-25% down for a purchase. The exact amount depends
on the property type, your credit profile, and the DSCR ratio. Cash-out refinances
typically allow up to 75-80% loan-to-value.
Can I use a DSCR loan for a short-term rental or Airbnb?
Absolutely. DSCR loans work for both long-term and short-term rentals. For properties
without rental history, we can use projected income from platforms like AirDNA to
establish the DSCR ratio. You don’t need 12 months of rent rolls to qualify.
Let’s Make Your DSCR Loan Work for You — Talk to an Expert
We’ll review your investment goals and structure the right DSCR financing strategy to help you scale with confidence.
Beacon Lending helps structure DSCR financing across multiple states. Our focus is simple: loans that support rental income and long-term investment growth.
