DSCR Long-Term
Rental Loans

Close your next deal fast:
  • custom bullet
    Up to 80% LTV
  • custom bullet
    Low 1.00x minimum DSCR
  • custom bullet
    Interest-only available

Rates Starting at 5%

Low Minimum 1.00x DSCR¹

Interest-Only Payments Available

Loan Term
30-year fixed
5/1, 7/1, and 10/1 ARM

Proceed Usage
Purchase, refinance, or cashout

Loan Amount
$75,000 to $2,000,000³

Property Types
Single-family residences, 2 to 4 units, condos, townhouses, and PUDs

Short-Term Rentals
Eligible with LTV reduction

Property Value
$115,000 minimum

Borrower Credit
Minimum 680 FICO²
Foreign nationals welcome

Vacancy
Fully vacant purchases permitted

Borrower Liquidity
9 months PITIA or ITIA⁴

¹ Requires a minimum 720 FICO credit score
² FICO scores between 660-679 may be approved by exception on a case-by-case basis
³ Larger loan amounts may be considered on a case-by-case basis
⁴ Additional reserves required for short-term rental properties, foreign nationals, and new property managers

Download Flyer

 

Interested? Connect with Us

By clicking Submit, you consent to Ternus Lending LLC storing the personal information you provide. Please review our opt-in consent, privacy policy, and terms of use to review how Ternus uses your personal data. By clicking submit below, you consent to allow Ternus to store the personal information submitted. By providing a mobile number, you agree to receive AI-generated voice calls and SMS text messages from Ternus regarding account updates, loan services, and related communications. Message and data rates may apply. You may opt-out at any time by replying STOP to texts, Reply Help For Help or following instructions provided during calls.
SMS Opt-In