DSCR Financing
Explore options that evaluate a property’s rental income and debt service under the lender’s rules. Property type, rent support, reserves, and other requirements still matter.
Kelsey Lenten · Edge Home Finance
Your Investment Deserves A Financing Strategy.
DSCR and investment property financing with a clear look at cash flow, capital, reserves, and what you want to build next.
The property. The numbers. The next move.
Financing Starts With The Deal.
Purchase Or Refinance
We’ll review the property location, loan purpose, ownership history, cash needed, and the financing structures worth comparing.
A Portfolio Perspective
Look at leverage, cash flow, reserves, loan term, and any prepayment penalty in the context of what you want to build next.
Bring The Opportunity.
We’ll Work Through The Structure.
I’m licensed in Colorado and Tennessee, with DSCR financing options in additional states where permitted. Availability depends on property location, loan purpose, and lender requirements.
Talk through my investment scenario →A Useful Starting Point
- Property city and state, type, and current use.
- Purchase, rate-and-term refinance, or cash-out goal.
- Rental model and how the income is documented.
- Timeline, reserves, and your longer-term plan.
Room-by-room, short-term, and other rental models require lender-specific review. Projected income is not automatically qualifying income.
Questions Worth Asking Early.
Does DSCR mean guaranteed approval?
No. Lenders review property income, expenses, valuation, borrower and entity requirements, and program rules. A property’s advertised cash flow does not establish loan eligibility.
Can I send you a property before I make an offer?
Yes. Share a public listing link and general details in the inquiry form. We can discuss what information is needed for a meaningful financing review.
What should I compare beyond the rate?
Review loan proceeds, cash to close, reserves, term, payment structure, fees, any prepayment penalty, and how those terms fit your hold strategy.
Start a conversation
Let’s Look At Your Investment Scenario.
Share the property city/state, rental model, loan purpose, timing, and the questions you want to work through.
This is an inquiry, not a loan application. Please do not send sensitive financial information or documents here.
Plan your next move
Know What The Deal Leaves You.
DSCR Deal Snapshot
Separate lender rental coverage from actual operating cash flow.
Explore the deal →DSCR Vs. Cash Flow: Two Numbers Every Rental Investor Should Separate
Understand lender rental coverage versus operating cash flow, then use the free DSCR Deal Snapshot to test your own rent and expense assumptions.
Read the guide →