Compare top DSCR loan programs for BRRRR, fix-and-flip, and rental property investors. Qualify based on property cash flow — not personal tax returns. Commissions up to $700/loan.
A Debt Service Coverage Ratio (DSCR) loan lets real estate investors qualify for a mortgage based on the property's income potential — not their personal W-2 income or tax returns.
How it's calculated:
Who DSCR loans are for: Real estate investors who write off depreciation, have complex income, or own multiple properties — and can't qualify with traditional bank financing.
| Lender | Loan Types | LTV / Loan Size | Commission | Best For |
|---|---|---|---|---|
| Kiavi Active | DSCR, BRRRR, Investment | Up to 80% LTV, $75K–$5M | $700/loan + $350 refi | BRRRR investors, DSCR borrowers |
| New Silver Pending | DSCR, Fix-and-Flip, Ground-Up | Up to 75% LTC, $100K–$3M | $50 lead + $750/closed | Fix-and-flip, short-term investors |
| RCN Capital | DSCR, Bridge, Investment | Up to 75% LTC, $75K–$5M | $500–$2,000/loan | Rental property investors |
| Lima One Capital | BRRRR, DSCR, Fix-and-Flip | Up to 85% LTC, $50K–$5M | Per funded loan | BRRRR strategy, multi-property investors |
Affiliate disclosure: QuikCalc earns commissions from some lenders above (Kiavi, RCN Capital, Lima One Capital, New Silver) at no additional cost to you. Commissions help support our free calculator tools. Learn more.
Kiavi is one of the most established DSCR lenders for real estate investors, offering loans from $75K to $5M for BRRRR, cash-out refinances, and new acquisitions. Their DSCR program is widely used by investors who need to qualify based on rental income rather than personal income.
Minimum DSCR: 0.75 | Credit score: 660+ | Entity LLC acceptable
Get a Kiavi DSCR Quote →New Silver specializes in fix-and-flip and ground-up construction loans for real estate investors. Their DSCR product is designed for investors who need fast capital for value-add properties. The loan program includes 12–24 month terms with interest-only payments during construction.
Loan amounts: $100K–$3M | Terms: 12–24 months | Interest rates: market-rate
Get a New Silver Quote →RCN Capital is a national private lender serving rental property investors and real estate professionals. Their DSCR loan program is specifically designed for long-term rental investors who need financing based on property cash flow. RCN is known for competitive rates and a streamlined application process.
Minimum DSCR: 1.0 | Loan amounts: $75K–$5M+ | Long-term rentals preferred
Learn About RCN Capital →Lima One Capital is a direct lender focused on BRRRR investors and rental property owners. Their product suite includes DSCR loans, fix-and-flip financing, and rental portfolio loans. Lima One is known for fast underwriting and flexible terms for multi-property investors.
Loan amounts: $50K–$5M | DSCR: 1.0+ | Entity and individual both acceptable
Get Lima One Quote →DSCR loans have simpler qualification requirements than traditional bank mortgages. Here's what lenders typically look for:
Use our free DSCR Calculator to determine how much you can borrow based on your property's rental income.
BRRRR investors: Start with Kiavi — their DSCR program is the most established, with loans up to $5M and interest-only options that preserve cash flow during the rent-out phase.
Fix-and-flip investors: New Silver has purpose-built fix-and-flip products with draw schedules for renovation costs.
Long-term rental investors: RCN Capital specializes in rental property financing with competitive rates for portfolios.
BRRRR with high LTC needs: Lima One Capital offers up to 85% LTC on acquisition + renovation costs.
Save time on your next deal — BRRRR Pro Spreadsheet $19 · Fix-and-Flip Analyzer $19 · Full Toolkit $39
Free guide: How to qualify for DSCR loans, negotiate better terms, and build your investor loan portfolio. Includes a DSCR calculation worksheet and lender comparison spreadsheet.
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