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Rental Loans
Build wealth. One door at a time.
Long-term rental property loans designed for serious real estate investors. Grow your portfolio, unlock consistent cash flow, and scale your holdings with confidence — all with flexible, fast financing built for today’s market.
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About DSCR 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.
Property types we finance
Single-Family Rentals (SFRs)
Ideal for buy-and-hold investors seeking stable, long-term cash flow on individual properties.
2–4 Unit Properties
Leverage stronger rental income and diversify your portfolio under one DSCR structure.
Condos and Townhomes
Expand into desirable urban and resort markets with financing tailored for smaller, high-demand units.
Rental 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 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.
Custom Pricing
Step 4 of 5
Customize your loan
Adjust your loan terms to match your needs. Use the sliders to balance leverage, construction reserves, and rate, your pricing updates automatically as you go.
Amortization Type
Fully Amortizing
Rate Type
5/6 ARM
Pre-Payment Penalty
5 Year
DSCR Calculation
1.1
Est. Monthly Payment (P&I)
$1,235.00
Est. Cash Back
$80,000.00
Loan to Value
80%
As is Value
$225,000
Total Loan Amount
$200,000
Interest Rate
5.4%
Max buy down
Origination Points
3.0%
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.
Go Back
2345 Trent Blvd, Fresno CA, 94857
Active
DCSR Loan
Overview
To-do’s
2
Documents
Terms
Payments
To-do’s
2/5
Complete your To-do list to close fast.
Sort by: Status
Task
Operating agreement for Florida Buyers LLC
EIN for Florida Buyers LLC
Formation documents for Florida buyers LLC
Purchase agreement addendum
HUD closing statement for 423 South Blvd.
Status
Due
Approved
In review
Rejected
Requested
Actions
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.
Go Back
504 Picasso Way, Folsom CA, 95630
Active
DSCR, Cash-out refinance
Overview
To-do’s
Documents
Terms
Total Loan amount
$380,000
$80,000 cash-out
Fully amortizing
5/6 ARM
Monthly payment
$1,085.48
5,4,3,2,1% PPP
LTV
65%
Interest rate
7.22%
Loan Progress
Conditions
In underwriting
Processing
Underwriting
Conditions
Final review
Closing
To-do’s left to complete
5
2 of 7 complete
Get started
Estimated signing date
July 12, 2024
Once youre terms are ready you can go ahead and sign the terms to get funded
View terms
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.
Go Back
2345 Trent Blvd, Fresno CA, 94857
Active
Fix and flip, Purchase
Download All-time Billing Statement
Overview
To-do’s
2
Documents
Terms
Payments
Payment History
Date
11/01/2025
11/01/2025
11/01/2025
11/01/2025
11/01/2025
Term
2024-07
2024-07
2024-07
2024-05
2024-01
Type
Monthly
Monthly
Monthly
Monthly
Pre-Paid Interest
Amount
$250.21
$367.50
$1421
$100.50
$256
Ending Balance
$42,000
$73,122.50
$42,000
$24,104.50
$35,004
Previous
1
2
3
Next
Accured Fees
Date
Amount
Description
Status
You have no fees.
Request Payoff Statement
Request Payoff Statement
ACH Bank Account Info
Monthly payments debited from:
Example Bank Checking ********1234
Monthly payments debited from:
Example Bank Checking ********1234
Request Payoff Statement
Who’s it for?
Smart strategies powered by
DSCR rental loans
Every investor has a different approach — but all successful strategies share one thing in common: smart financing. Xoan’s DSCR rental property loans are built to support proven real estate investing methods that build long-term cash flow, equity, and freedom.
Buy and Hold
Build long-term wealth through steady rental income and appreciation. Xoan’s DSCR loans offer 30-year fixed terms, predictable payments, and strong leverage — perfect for investors focused on consistent, sustainable growth.
BRRRR Strategy
(Buy, Rehab, Rent, Refinance, Repeat)
Maximize capital efficiency by recycling your equity. Use a Xoan rental loan to refinance after renovations, pull cash out, and reinvest into your next property — without needing traditional income verification.
Short-Term and Long-Term Rentals (Airbnb, VRBO)
Capitalize on high-yield rentals while maintaining flexible financing. Xoan qualifies you based on your property’s income potential, so you can scale your Airbnb or furnished rental business with confidence.
Refinance & Equity Unlock
Tap into built-up equity to lower payments or fund your next acquisition. With Xoan’s flexible DSCR refinance options, you can access capital fast — and put your money back to work without the red tape.
Portfolio Growth & Diversification
Expand across markets and property types using one efficient structure. Xoan’s portfolio rental loans let you finance multiple properties under one umbrella — ideal for scaling investors and holding companies.
Whatever your strategy — buy-and-hold, BRRRR, short-term rentals, or portfolio scaling — Xoan helps you execute with confidence, clarity, and capital that moves as fast as you do.
Apply now
Testimonials
Reflections From Those Who Build the Future.
“Xoan made financing my project effortless. I had terms instantly and closed in just a few days—something I’ve never had with banks or hard money lenders. The process was fast, transparent, and clearly designed for real estate investors.”
Lando Norris,
Founder at TheRealDeal
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.
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John
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Doe
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Blog
DSCR Rentals
See how rental loans fuel financial freedom.
Single-Family Rentals (SFRs)
Ideal for buy-and-hold investors seeking stable, long-term cash flow on individual properties.
2–4 Unit Properties
Leverage stronger rental income and diversify your portfolio under one DSCR structure.
Condos and Townhomes
Expand into desirable urban and resort markets with financing tailored for smaller, high-demand units.
Single-Family Rentals (SFRs)
Ideal for buy-and-hold investors seeking stable, long-term cash flow on individual properties.
Have Questions?
FAQ
Everything you need to know about Fix & Flip loans with Xoan.
Do you finance both purchase and renovation costs?
Yes—renovation budgets are funded via draw requests.
How fast can I close?
Can I refinance into a rental loan?
Still have questions?
Have questions or need assistance? Our team is here to help!
Contact us
Flip faster. Profit sooner.
Funding and management tools built for serious investors—ready to power your next deal.
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