Loan Program | DSCR Rental / Landlord Loan

Why Choose LNH Capital for DSCR / Landlord Loans

At LNH Capital, we empower real estate investors to scale their rental portfolios with zero hassle. Our DSCR Loan Program (Debt-Service Coverage Ratio) is designed specifically for buy-and-hold investors looking for long-term financing based on the property’s income—not yours.

Whether you’re refinancing or purchasing, this program gives you the freedom to grow without tax returns, pay stubs, or W2s.

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DSCR / Landlord Program

At LNH Capital, we provide flexible DSCR Rental & Landlord Loans designed for investors who want to scale their rental portfolios without the hassle of traditional income verification. Our Debt Service Coverage Ratio (DSCR) loans allow you to qualify based on property income, not personal income, making it easier to grow your investments and maximize cash flow.

🚀 Flexible Financing for Single Rentals & Portfolios
🏡 Short-Term & Long-Term Rental Friendly
💰 Up to 85% Cash Out Available – Even on Unleased or Vacant Properties!

Program Highlights

Loan amounts: $55,000 – $2,000,000
Property types: 1-4 Unit Single-Family Homes, Condos, Townhomes, Multifamily
Credit score: 660+ Required
Financing options: 30-Year Fixed, ARMs, & Interest-Only Available
Purchase, rate and term, and cash out options available

2nd Mortgage Program

LNH Capital’s DSCR 2nd Mortgage Finance Program is the perfect solution for real estate investors looking to tap into their rental property’s equity while keeping their first mortgage in place. With this second-position loan, investors can access capital for:

✅ Expanding rental portfolios
✅ Funding new investment opportunities
✅ Property upgrades & renovations
✅ Paying off high-interest debt

Our streamlined approval process means no tax returns or W2s—qualify using rental income (DSCR) for a hassle-free experience. Whether you’re growing your real estate business or need quick access to cash, our flexible second mortgage loan gets you the funds you need without refinancing your first mortgage.