Buy a rental
Explore financing for an eligible investment property you plan to rent. Property and borrower requirements vary by lender.
Rental property financing
DSCR loans for rental property investors.
Buying a rental or refinancing one you already own? Explore financing focused primarily on the property's cash flow.
Summit Commercial Capital works with multiple investor-focused lenders to help identify a program that fits your property, borrowing needs, and plans.
Start with a short inquiry. No photo ID or bank-statement uploads at this step.
Rental purchasesRate-and-term refinancingCash-out options, where available
How it works
Start with the property and the numbers.
DSCR stands for debt service coverage ratio. It compares qualifying rental income with the property's debt-service costs, using the lender's calculation.
DSCR programs generally focus on rental cash flow rather than traditional personal-income qualification. Lenders still review credit, liquidity, property details, and other requirements.
What lenders usually review
- Property type, location, value, and purchase price
- Lease income or supported market rent
- Requested loan amount and leverage
- Borrower credit and cash reserves
- Ownership structure and experience, where required
Ways to use DSCR financing
A financing path for your next rental move.
Refinance an existing loan
Review potential rate-and-term options or a permanent financing path after a qualifying property is stabilized.
Access available equity
Consider cash-out refinancing where permitted, subject to equity, seasoning, rental cash flow, and lender limits.
Your next steps
One inquiry. A personal review.
01 / Share the basics
Tell us about the deal
Provide the property location, financing amount, and whether you're buying or refinancing. Choose Rental Property/DSCR in the inquiry form.
02 / Review the fit
Holly reviews the request
Summit considers the deal against lender criteria and follows up for rental income, property value, and other details needed.
03 / Explore the options
Understand the path forward
If a program appears suitable, review its proposed terms and required documents before a full lender submission.
Your contact at Summit
Work directly with Holly Peterson.
Get help reviewing your rental-property financing options and preparing the next steps with a lender.
holly@summitcommercialcapital.comQuestions before you start?
Do I need W-2 income?
DSCR programs generally qualify the deal primarily around property cash flow. Lenders may still review credit, liquidity, experience, and other borrower information.
Can I close in an LLC?
Many programs accept eligible business entities such as LLCs. Ownership structure and guaranty requirements vary by lender. You can leave the company-name field blank on the initial inquiry if it does not apply yet.
Can a first-time rental investor qualify?
Some programs consider first-time investors. Eligibility and leverage depend on the lender, property, credit profile, and available reserves.
What rates and down payment should I expect?
Pricing and leverage depend on the property, cash flow, borrower profile, and current lender terms. Summit reviews the deal before discussing applicable options.
Is financing available in my state?
State availability varies by lender and program. Include the property's state in your inquiry so Summit can check coverage.
Is this for a home I will live in?
This page is for business-purpose investment-property financing. DSCR rental programs are intended for eligible non-owner-occupied properties.
Let's review your rental deal
What are you looking to finance?
Start with the deal basics. In the form, select Rental Property/DSCR and include the property location and whether you're purchasing or refinancing.
Opens Summit's inquiry form in a new tab. Prefer to talk? Call 208-252-4345.
Summit Commercial Capital is a financing broker. Financing is subject to lender underwriting and approval. Rates, terms, leverage, fees, and state availability vary. Submitting an inquiry is not an approval or a commitment to lend.