DSCR Loans

Unlock opportunities with DSCR Loans, a tailored financing solution designed specifically for real estate investors. With these loans, you can leverage the cash flow generated by your investment property rather than relying on personal income. This allows for greater flexibility in your investment strategy, enabling you to acquire more properties or make smarter investments. Whether you're a seasoned investor or just starting out, our DSCR Loans empower you to make confident financial decisions, ensuring you can maximize your portfolio's potential. Start your journey toward financial success today with Pinnacle Property Funding!

Loan Highlights

• Loan Amounts: $75,000 – $3.5 Million
  • Blanket Portfolio Loans up to $5 Million
• Rates: Starting at 5.75%
• Property Types:
  • Residential (1–10 units)
  • Short-Term Rentals (STRs)
  • Vacation Rentals
• Occupancy:
  • Long-Term, Medium-Term, or Short-Term Rentals
  • Vacancy OK on acquisitions
  • No operating history required for STRs
• Structure:
  • 10-Year Fixed Rate Mortgage
  • Flexible Prepayment Penalties
  • Partial Interest-Only (10 Years) Available
  • Borrowers may apply as Entities (LLCs, partnerships, etc.)
• LTVs:
  • Up to 85% (Acquisition / Rate-Term Refi)
  • Up to 75% (Cash-Out Refi)
• Credit Score: Minimum 640
• DTI: Not applicable — No tax returns or personal income evaluation
• DSCR Requirement: No minimum DSCR required
• Geography: Available Nationwide (except North Dakota and South Dakota)
• Fees:
  • $1,995 Underwriting Fee
  • $995 Processing Fee
  • 0–3% Closing Fee