DSCR
Flexible Investor Financing
Since real estate investors don’t all fit into the same underwriting box, you need lending solutions that are flexible, reliable, and easy to position, so you can serve a broader range of investor profiles and close more deals. That’s why we offer two powerful DSCR-based options: No Ratio DSCR and Traditional DSCR loans, each designed to solve different investor challenges.
Traditional DSCR Loan Program
Optimized for Cash-Flowing Investment Properties
Our Traditional DSCR program is designed for stabilized rental properties that generate consistent income and meet standard DSCR thresholds.
Best for investors who:
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Own or are purchasing cash-flow-positive rental properties
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Want competitive pricing for long-term holds
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Prefer predictable, scalable financing
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Are refinancing stabilized assets for cash-out or rate-term
Key Benefits for Your Borrowers:
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Qualification based on property cash flow – Not personal income
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Attractive rates for strong DSCR ratios
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Supports portfolio expansion – Multiple properties allowed
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Long-term, fixed-rate options available
Why Brokers Love It:
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Simple qualification logic that’s easy to explain to investors
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Strong pricing for seasoned rental portfolios
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Efficient approvals for stabilized assets
Program Highlights:
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Qualify on cash-flow alone
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No income documentation required
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Up to 80% LTV on cash-out refinancing to $1.0 million
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Up to 85% LTV on purchases to $1.0 million
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Short-term rentals acceptable to 80% LTV
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ARMs and interest-only options
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6 months seasoning for cash-out required
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Minimum .75 DSCR required
No Ratio DSCR Loan Program
Maximum Flexibility for High-Equity or High-Potential Deals
Our No Ratio DSCR program is built for investors whose properties may not meet traditional DSCR thresholds, but still represent strong long-term investments.
Best for investors who:
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Are acquiring value-add or underperforming properties
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Have properties with temporary vacancies
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Are executing short-term rental or rehab-to-rent strategies
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Want to qualify without rental income coverage requirements
Key Benefits for Your Borrowers:
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No minimum DSCR requirement – No need to hit a 1.00x or higher ratio
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Income-light qualification – Focus remains on asset value and credit profile
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Ideal for growth-phase investors – Supports early-stage portfolio expansion
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Fast, investor-friendly underwriting – Fewer documentation hurdles
Why Brokers Love It:
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Saves deals that traditional DSCR lenders decline
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Expands your approval reach for transitional properties
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Keeps momentum on time-sensitive acquisitions
Program Highlights:
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No minimum DSCR required
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No rental income required
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Great for negative cash-flow properties
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Qualify with interest-only payment
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Up to 80% LTV on purchases and 70% LTV on cash-out
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30 & 40 year ARMs and fixed rate programs offered
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Vacant properties considered
Choosing the Right DSCR Option
BORROWER SITUATION
Property doesn't meet DSCR minimum
Value-add or short-term rental strategy
New investor scaling a portfolio
Cash-flowing long-term rental
Refinance or stabilized property
Investor prioritizing rate over flexibility
BEST FIT
No Ratio DSCR
No Ratio DSCR
No Ratio DSCR
Traditional DSCR
Traditional DSCR
Traditional DSCR
Additional Benefits & Features
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Loan amounts from $250K - $3.5M
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Rate buydowns available
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Purchase, refi, and cash-out allowed
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SFR, condo, 1-4 units, 5-8 unit properties, condo-tel and TIC
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First-time investors accepted
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Unlimited financed properties OK
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Vesting in corporations allowed
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FICO as low as 660
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Eligible borrowers include resident aliens and foreign nationals
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Appraisals require forms 216/1007 to be included
What Sets Us Apart for DSCR Lending?
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Investor-focused underwriting philosophy
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Fast turn times and responsive broker support
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Flexible guidelines that save difficult deals
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Scalable solutions for repeat borrowers
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Consistent execution across multiple property types
Whether your borrower needs maximum flexibility or optimized pricing, our DSCR programs give you the leverage to win more investor business and close more loans.
When you partner with 5th Street Capital, you gain more than just competitive loan products, you gain a capital partner that understands investor velocity and broker efficiency.