DSCR Rental Loans

Fast, Flexible Financing for Your Rental Properties

Whether you're purchasing your next rental, refinancing after a BRRRR strategy, or pulling cash out of an existing property, Kiavi's AI-powered platform can give you the clarity and control to move forward with confidence.

Get Pre-qualified Online
A Kiavi real estate investor is reviewing a rental loan on a laptop while seated at a table with a cup of coffee.
About DSCR Rental Loans

Rental Financing for Every Strategy

Purchase, Rate and Term, and Cash-out Refinance options are available for single-family rental (SFR), PUDs, 2-4 units, and condos.

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Transparent Terms, No surprises

Compare loan scenarios side by side before you submit. Adjust LTV, loan amount, and prepayment terms to see how each affects your rate and monthly payment.

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No W-2s, No income verification

Our DSCR loans qualify based on your property's cash flow. Kiavi also uses 110% of market rent in the DSCR calculation, which may support a stronger loan amount on well-performing properties.

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Qualify With Less Friction

Flexible DSCR options, no hard credit pulls, and no minimum liquidity requirements. Our team understands investor financing and is available when you need guidance.

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A hand holding a key with several cardboard boxes in the background.
Rates & Terms

DSCR Rental Loan Rates + Terms

Kiavi calculates financing terms based on the rental property cash flow—not just the borrower—so you can move forward with confidence.

See Your Rate
Rates as low as 5.875%†
interest only
Up to 80% LTV (loan-to-value)
money
No prepayment penalty after year 3
cash
5/1 + 7/1 ARMs fully amortizing
fix-flip
30-yearfixed rates
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Interest-only options
interest only
  • Ask About Our Cash-Out Refinance Options
Why Kiavi

Technology Built for Rental Investors

Kiavi's platform is built to give investors a clearer picture of their loan economics before they apply, not after. From comparing loan scenarios to understanding your true monthly cost, you get the transparency to make confident financing decisions.

See Your Options Before You Commit

Before you submit, compare loan structures side by side. Adjust prepayment penalty, loan amount, and LTV to see how each combination affects your rate and monthly payment, then choose the structure that fits your deal.

A Rent Treatment That Works in Your Favor

Kiavi uses the lower of 110% of appraised market rent and your valid lease rent in the DSCR calculation. For properties with strong rental income, this could support a higher loan amount than a more conservative rent treatment would allow.

Investor-Friendly Credit Policy

No hard credit pulls, no minimum liquidity requirements, and flexible DSCRs as low as 0.8x. Cash-out refinance is available after 90 days or on free-and-clear properties.

Tech-Enabled, Human-Supported

Kiavi combines an AI-powered platform with real support from a team that understands investor financing. Our technology gives you real-time visibility throughout the process, and our team is available whenever you need guidance.

A real estate investor sitting on a couch reviewing Kiavi's BRRRR Guide on a tablet
eBook

Want to Learn More About BRRRR?

Check out Kiavi’s guide Breaking Down BRRRR: Your guide to building a rental portfolio quickly and profitably using the BRRRR method. In it, we walk you through the financing process and illustrate the cash-on-cash return of this strategy compared to turnkey investments.

  • BRRRR strategy overview
  • The breakdown of how to buy, rehab, rent, refinance, and repeat
  • Pros and cons
  • A success story and more!
Get My Copy

ARM vs. Fixed: Choose the Rate Structure That Fits Your Hold

An adjustable-rate mortgage (ARM) may offer a lower starting rate than a fixed option, which could support stronger monthly cash flow in the early years of a hold. Rates adjust after the initial fixed period based on market conditions, so this option tends to work best for investors with a defined exit or refinance timeline. Kiavi also offers 30-year fixed and interest-only options for investors who prefer long-term rate certainty.

5/1 ARM

5/1 ARM

Fixed rate for the first 5 years with fully amortizing and interest-only options

7/1 ARM

7/1 ARM

Fixed rate for the first 7 years with fully amortizing and interest-only options

Frequently Asked Questions

Get Answers to Your DSCR Rental Loan Questions

Everything you need to know about DSCR rental loans, simplified. We’ve got the answers to these questions and more to help you confidently grow your rental property portfolio.

Kiavi's platform uses advanced analytics and AI to provide precise financing options through our online calculator, ensuring investors get tailored solutions for long-term investments that maximize the property’s cash flow.

Yes, Kiavi offers competitive refinancing options that help investors unlock equity and improve cash flow, vital for expanding or optimizing your rental portfolio.

Kiavi's buy-and-hold financing covers a range of properties, including single-family homes, multi-unit residences, and condos, supporting various investment strategies, including portfolio

Kiavi offers streamlined financing options like portfolio loans for portfolios with 5+ properties, making it easier to manage multiple properties under one loan, saving time and resources.

Absolutely! Kiavi caters to both experienced and new investors, offering personalized support and resources to guide you through your buy-and-hold real estate investment journey.

Kiavi’s long-term rental loans are also known as debt service coverage ratio (DSCR) loans or no-income mortgages. How does Kiavi's approach benefit you?

  • No tax or personal income document needed
  • Loans are based on rental property cash flow
  • Flexible qualification guidelines
Reviews

See Why 26,000+ Real Estate Investors Trust Kiavi

From first-time investors to seasoned landlords, Kiavi offers DSCR rental loans with the support, expertise, and capital you need to grow your rental property portfolio with ease.

"[...] I have worked with a few other bridge loan lenders and none of them can match the customer service or ease of use that Kiavi provides as well as an investor friendly product."
Devin K.
11/23/23 via Google
"Kiavi was quick and easy to work with. I look forward to closing more deals with them soon."
Elyse G.
03/07/24 via Google
"Kiavi made my hard money loan journey surprisingly smooth. Their efficiency and transparency truly set them apart. Highly recommend."
r/realestateinvesting
01/30/24 via Reddit
"Fast and easy process. Everything was done in a timely manner. They were easy to reach when I had questions, and there were no surprises. Highly recommend!"
Kaveh N.
03/25/24 via Trustpilot
Resources

Learn What Makes Us the Trusted Choice for Your Rental Needs

Have questions about DSCR rental loans or expanding your real estate investment strategy? Kiavi is here to help. Beyond financing, we offer free resources like webinars with industry experts, market insights, and tips and tricks for maximizing rental income to help you stay informed and make confident decisions.

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Ready to Finance Your Next Rental Property?

Kiavi's rental loan platform gives you a transparent view of your DSCR loan options from the first quote to final closing. And when you need a person, our team is here. Whether it's your first rental loan or your fifteenth, start with a rate check online.

See Your Rate Online