Debt Service Coverage Ratio (DSCR) Rental Loans
Real estate investors are continuously searching for flexible, income-based financing options to support their rental portfolios. At Insula Capital Group, our DSCR loans provide a streamlined and asset-focused lending solution tailored to the needs of today’s property investors.
Whether you’re expanding your buy-and-hold rental strategy or refinancing a cash-flowing property, our DSCR rental loans are designed to help you achieve your goals with confidence and speed.
With a nationwide reach and years of experience, Insula Capital Group specializes in DSCR mortgage loans that focus more on the property’s income and less on your personal finances. Let us help you build, grow, and stabilize your investment strategy through financing that works with your rental income, not against it.
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Partner with the Nation’s Trusted DSCR Loan Lenders
At Insula Capital Group, our team of expert DSCR loan lenders understands the dynamics of real estate investing.
Our programs are crafted with the modern investor in mind—whether you’re managing a growing portfolio or securing your first rental asset.
We know that time is of the essence, and our streamlined process gets you funded faster, with fewer hoops to jump through.
Why investors choose Insula Capital Group for DSCR mortgage loans:
- Minimal Documentation: Skip the hassle of tax returns and W-2s—our loans are underwritten based on rental property income.
- Flexible Loan Structures: Choose from interest-only periods, adjustable rates, or fixed options based on your strategy.
- Scalable Financing: Whether you’re financing one property or ten, we offer scalable solutions to match your portfolio size.
- Fast Closings: Close in as little as 10–14 days—because we know opportunities don’t wait.
- Nationwide Lending: No matter where your rental property is located, we can fund it.
Insula Capital Group brings experience, transparency, and a deep understanding of the investment lending space—making us your go-to source for DSCR loans nationwide.
The Power of DSCR Loans: Income-Based Lending for Rental Investors
DSCR loans (Debt Service Coverage Ratio loans) are an ideal solution for investors who want financing based on the performance of the property—not their personal income.
These loans evaluate how much a property earns versus how much it costs to maintain, using a simple formula:
DSCR = Net Operating Income / Total Debt Service
A DSCR greater than 1 means the property is generating more income than is required to cover its loan payments.
That’s why lenders like Insula Capital Group focus on this ratio when assessing a rental loan application.
Benefits of DSCR Rental Loans from Insula Capital Group
- No Personal Income Verification: We won’t ask for tax returns, pay stubs, or employment info.
- Investor-Friendly Terms: Designed for buy-and-hold strategies with competitive interest rates.
- Easy Qualification: Strong credit helps—but the property’s performance is what really matters.
- Short-Term and Long-Term Options: Choose from flexible loan durations to match your investment plan.
- Multiple Property Types Eligible: From single-family rentals to multi-family buildings and short-term rentals (Airbnb/VRBO).
These loans empower investors to focus on building cash-flowing portfolios without being limited by traditional bank requirements.
DSCR Loan Requirements
Qualifying for a DSCR mortgage loan is straightforward with Insula Capital Group. Our underwriting process is based on your property’s ability to cover its debts—not your personal finances.
No personal DTI calculations, no employment checks, and no bank statement headaches—just smart financing for income-producing assets.
If you’re considering DSCR financing, understanding the broader rental market is essential. Here’s a snapshot of national real estate and rental investment trends:
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Thousands of Clients Trust Our Company
As seen on:
Just Funded Projects
July 2025
Fix & Flip
Loan Amount
$1,729,700
After Repair Value$3,500,000
Purchase Price$1,020,000
Renovation Budget$964,700
Loan TypeFix & Flip
- After Repair Value$3,500,000
- Purchase Price$1,020,000
- Renovation Budget$964,700
- Loan TypeFix & Flip
Arlington, VA
July 2025
Fix & Flip
Loan Amount
$224,250
After Repair Value$345,000
Renovation Budget$174,111
Loan TypeFix & Flip
- After Repair Value$345,000
- Renovation Budget$174,111
- Loan TypeFix & Flip
Lehigh Acres, FL
July 2025
Fix & Flip
Loan Amount
$1,456,100
After Repair Value$2,700,000
Purchase Price$1,200,000
Renovation Budget$376,100
Loan TypeFix & Flip
- After Repair Value$2,700,000
- Purchase Price$1,200,000
- Renovation Budget$376,100
- Loan TypeFix & Flip
Destin, FL
July 2025
Fix & Flip
Loan Amount
$400,899
After Repair Value$595,000
Purchase Price$42,500
Renovation Budget$429,147
Loan TypeFix & Flip
- After Repair Value$595,000
- Purchase Price$42,500
- Renovation Budget$429,147
- Loan TypeFix & Flip
Lawrenceville, GA
July 2025
Fix & Flip
Loan Amount
$435,260
After Repair Value$710,000
Purchase Price$62,500
Renovation Budget$397,760
Loan TypeFix & Flip
- After Repair Value$710,000
- Purchase Price$62,500
- Renovation Budget$397,760
- Loan TypeFix & Flip
Snellville, GA
June 2025
Fix & Flip
Loan Amount
$137,200
After Repair Value$231,000
Purchase Price$120,000
Renovation Budget$40,000
Loan TypeFix & Flip
- After Repair Value$231,000
- Purchase Price$120,000
- Renovation Budget$40,000
- Loan TypeFix & Flip
Albany, NY
June 2025
Fix & Flip
Loan Amount
$257,750
After Repair Value$410,000
Purchase Price$215,000
Renovation Budget$75,000
Loan TypeFix & Flip
- After Repair Value$410,000
- Purchase Price$215,000
- Renovation Budget$75,000
- Loan TypeFix & Flip
Albany, NY
June 2025
Residential Rental Program (Buy & Hold)
Loan Amount
$502,500
Loan TypeResidential Rental Program (Buy & Hold)
- Loan TypeResidential Rental Program (Buy & Hold)
Fitchburg, MA
June 2025
Fix & Flip
Loan Amount
$825,000
After Repair Value$1,100,000
Purchase Price$870,000
Renovation Budget$46,500
Loan TypeFix & Flip
- After Repair Value$1,100,000
- Purchase Price$870,000
- Renovation Budget$46,500
- Loan TypeFix & Flip
Suffolk County, NY
Why DSCR Loans Are the Smart Choice for Today’s Investors
The real estate financing landscape has evolved. With high borrowing costs and stricter banking regulations, DSCR loans offer a faster, more practical alternative for property investors.
Whether you’re acquiring turnkey rentals, refinancing stabilized units, or cashing out equity, DSCR loans offer:
- Speed: Close fast—often in just 2–3 weeks.
- Simplicity: Focused solely on property income and value.
- Scalability: Finance one door or an entire portfolio.
- Cash Flow Alignment: Loan terms that match your property’s performance.
- Non-Recourse Options Available: Protect your personal assets (on select deals).
At Insula Capital Group, we eliminate unnecessary delays and give you the funding edge to scale faster in competitive markets.
Ready to Apply for a DSCR Loan?
Frequently Asked Questions for DSCR Loans
We finance single-family homes, 2–4 unit properties, condos, townhomes, and multifamily buildings (5+ units). Short-term rentals and vacation rentals may also qualify.
A minimum DSCR of 1.0 is usually required, though stronger ratios may qualify for better rates and terms.
Yes! Our DSCR mortgage loans can be used for both rate-and-term refinancing and cash-out refinancing on eligible rental properties.
While a credit score of 680+ is ideal, we offer flexible guidelines based on other strengths like rental income and property performance.
Absolutely. Insula Capital Group offers portfolio loans and multi-property DSCR loan options to help you scale faster.
DSCR Loans States
Partner with the Nation’s Leading DSCR Loan Lenders Today!
At Insula Capital Group, we’re dedicated to empowering investors through lending options that are fast, flexible, and future-ready. Our DSCR loan programs give you the confidence and capital to grow your rental portfolio—without jumping through the hoops of traditional financing.
Whether you’re buying your first rental or refinancing to tap equity from your fifth, our team is here to guide you through every step of the process. Partner with experienced DSCR loan lenders who understand your goals and are committed to your long-term success.
Apply now or schedule a consultation to learn how our DSCR mortgage loans can help you build and scale a successful rental portfolio.
Easy Steps to Get Funded
Receive a proof of funds
Get verification of your funding capacity.
Source a property
Find the right property to invest in.
Provide requested documentation
Submit essential documents for approval.
Close your Loan
Finalize the deal and secure your funding.
