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DSCR Loans
Qualify on property cash flow — no tax returns required
Long-term rental financing based on property cash flow rather than personal income documentation. Fixed and ARM options for building a portfolio of cash-flowing rentals.
Loan Terms
- Loan Amount
- Sized to the property & strategy
- LTV
- Based on cash flow & equity
- Term
- 30-year fixed or 5/1 ARM
- Rate
- Priced to deal & cash flow
- DSCR
- Evaluated on property cash flow
- Property Types
- SFR, 2-4 Unit, Condo
Rates and terms subject to underwriting approval.
Program Highlights
Built for how investors actually operate.
- Qualifies primarily on property cash flow, not personal income
- No tax returns required
- Cash-out refinance available
- Interest-only options
- Built to scale with growing rental portfolios
- Foreign national borrowers welcome
Ready to get started?
Share your deal in a few minutes. No application fee, no obligation.
Check Loan OptionsFrequently Asked Questions
How fast can I close a DSCR loan?+
Timelines vary by documentation, appraisal, and title work. Investor-focused underwriting is built to move quickly once a file is complete — your advisor can walk through what to expect for your specific deal.
What credit score is required?+
We work with a wide range of credit profiles. Underwriting varies by program and may consider property cash flow, collateral, deal structure, and borrower experience.
Where do you lend?+
Pillar Private Lending works with investors in multiple states. Browse our location pages or contact us to confirm availability.
Is there an application fee?+
No. There is no cost to apply or receive a term sheet from Pillar.
Next Step
Ready to think through your next deal?
Share a few basics about the property and we'll help you understand which financing paths may fit your strategy.
No obligation. Representative scenarios only — talk with an experienced investment advisor.