DSCR Rental Property Loans
Build wealth.
One door at a time.
Get long-term, investor-focused financing without the bank hassle. Xoan Capital structures DSCR purchase and refinance loans around rental income, not your W-2. Expect fast terms, transparent guidelines, and a lending partner who understands buy-and-hold, BRRRR, and portfolio growth strategies.
Rates Starting at
5.25%
About DSCR Property Rental Loans
Xoan DSCR rental loans built for real estate investors
Our DSCR rental property loans make it easier for investors to acquire, refinance, or scale income-producing properties — without the paperwork and delays of traditional banks. With no income verification or tax returns required, Xoan helps investors move quickly, leverage smarter, and grow stronger portfolios.
Competitive loan terms
Finance up to 80% LTV with rates starting at 5.25%. Choose flexible prepayment options that align with your investment timeline and exit strategy.
Fast, simple approvals
Streamlined underwriting focused on your property’s cash flow — not your income. No W-2s or tax returns required, and most loans close in as little as five days after appraisal.
Flexible structures and support
Choose from 30-year fixed or adjustable-rate options, refinance existing rentals, or tap into your equity with a cash-out DSCR loan. Our lending team is here to help you find the structure that fits your goals.
Rental Property Loan Terms
Financing built for the long game.
Whether you’re acquiring your first rental or refinancing a full portfolio, Xoan offers predictable funding and transparent terms to help you scale confidently. Every loan is built for investors who value speed, reliability, and flexibility.
5.25%
Rates starting at 5.25% depending on LTV, DSCR, and credit
$75K – $3M+
Loan amount range available for single-property or portfolio DSCR loans
3/2/1 or None
Flexible prepayment options to match your exit strategy
Nationwide
Coverage across most U.S. markets for 1–4 unit investment properties
80% LTV
Maximum loan-to-value (LTV) for purchase, refinance, and cash-out
5 days
Average closing time once appraisal and title are complete
1.0 DSCR
Minimum qualifying Debt Service Coverage Ratio (DSCR)
0.75 DSCR
Options available for strong credit or additional reserves.
How DSCR (Debt Service Coverage Ratio) Works
A smarter, cash-flow-based way to qualify for financing
Unlike traditional mortgages, Xoan DSCR loans focus on what matters most — your property’s cash flow. Approval is based on whether the rental income covers its own payments, giving you faster approvals, fewer barriers, and the flexibility to grow your portfolio without limits.
Understand your DSCR ratio
Your Debt Service Coverage Ratio (DSCR) compares your property’s rental income to its total monthly expenses — including mortgage payments, taxes, insurance, and HOA. A DSCR of 1.00 or higher means your property generates enough income to cover its costs.
Why this matters to investors
Your DSCR determines both pricing and leverage. Properties with DSCR ≥ 1.00 qualify for standard rates and lower reserve requirements. Loans between 0.75–0.99 may still qualify with strong credit or reserves — and no-ratio loans are available for experienced investors with high-performing assets.
How Xoan Works
From application to closing — all in one seamless experience to finance your Rental properties.
With Xoan, financing a rental property is as simple as it should be. You’ll get instant custom pricing, easy document uploads, and clear visibility into every stage of your loan — from application to closing day.
Step 1: Apply and Get Instant Custom Pricing
Start your rental loan application online — it takes less than 60 seconds. Enter a few bits of information, then, Instantly see your custom loan terms, including projected rates, LTV, and DSCR qualification — all tailored to your deal. No credit pulls or paperwork required to preview your pricing. Just clarity and confidence, right from the start.
Step 2: Securely Upload Documents
Once you’re ready to move forward, upload a few simple documents through your secure Xoan dashboard. Our streamlined process accepts digital uploads for leases, insurance, and title — so you can skip the email chains and keep your deal moving fast.
Step 3: Track Your Loan Progress in Real Time
Your dashboard keeps you informed every step of the way — from underwriting to final approval. See exactly where your loan stands, what’s next, and when to expect closing. No chasing updates, no confusion — just total transparency from start to finish.
Close, Manage Payments, and Request Payoffs
Close your loan quickly — often within five days of appraisal and title completion. Once funded, manage everything in one place: make payments, view statements, and request payoff quotes instantly when it’s time to refinance or sell. With Xoan, your entire loan journey stays simple, transparent, and in your control.
Testimonials
Reflections From Those Who Build the Future.
“I’ve done plenty of fix and flips, but financing rentals was new for me. Xoan made it simple, great terms, quick approval, and a smooth close. The process was just as fast and investor-friendly as my flip loans, but built for long-term holds.”
Jossue Guzman
,
Founder of Nexgen Buyers LLC
Contact
Get the financing you need today.
Fill out the form to get an immediate call back from our lending team — no waiting, no paperwork, just straight answers and clear terms. Whether you’re purchasing, refinancing, or scaling your portfolio, we’ll help you access funding that fits your goals.
Have Questions?
FAQs
Everything you need to know about DSCR Rental Property loans with Xoan.
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