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DSCR Loans for Short-Term & Long-Term Rentals

Fast, Flexible Financing for Real Estate Investors

At Barrett Funding, we specialize in DSCR loans designed for investors who want to grow their rental portfolios—without the hassle of traditional income verification. Whether you’re financing a short-term rental (Airbnb, VRBO) or a long-term rental property, our expert team helps you secure funding quickly and easily.

Start Your Loan Application

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How it works

1
Share your details – Tell us about your property and investment goals.
2
Get matched with a lender – We connect you with the perfect financing option.
3
Close & start earning – Secure your DSCR loan and maximize your investment.

Why Choose a DSCR Loan?

  • Approval Based on Potential Rental Income – Qualify based on your property’s ability to generate income, not your personal finances.
  • Works for Short & Long-Term Rentals – Finance vacation homes, Airbnb properties, and traditional rentals with ease.
  • Higher Loan Limits & More Property Options – Grow your portfolio with financing for single-family homes and 1-4 unit properties.
Rental properties financed with DSCR loans

DSCR Loan FAQs

How do I qualify for a DSCR loan?

You don’t need to provide W-2s or tax returns. Instead, lenders look at your property’s rental income potential. A credit score of 640+ and a 20-25% down payment can improve your approval chances.

How is the Debt Service Coverage Ratio (DSCR) calculated?

DSCR is calculated by dividing your property’s gross rental income by its monthly mortgage payment (PITIA). A DSCR of 1.0 means the property earns just enough to cover its mortgage. Most lenders prefer 1.1 to 1.5 for approval.

Can I use a DSCR loan for Airbnb or short-term rentals?

Yes! Barrett Funding specializes in short-term rental financing. Whether you’re purchasing a vacation rental or refinancing an existing Airbnb, we help you secure funding based on expected rental income.

What are the closing costs for a DSCR loan?

Closing costs typically range from 2-5% of the loan amount, including lender fees, appraisal, title insurance, and escrow costs.

Can I refinance an existing investment property with a DSCR loan?

Absolutely! DSCR loans can be used for both purchasing and refinancing rental properties, allowing you to tap into equity or secure better loan terms.

Ready to Invest?

Get pre-approved today and secure your next rental property!
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