Long-Term
Rental Loans
DSCR Loans Based on Property Income
DSCR (Debt Service Coverage Ratio) Loans** are a type of real estate investment loan based on a property’s income rather than the borrower’s personal income. Lenders use the **Debt Service Coverage Ratio** to determine if the property generates enough income to cover the loan payments.
Focuses on property cash flow, not personal income or tax returns
Ideal for real estate investors with multiple properties or complex financial
Can be used for rental property purchases or refinances
Often comes with 30-year fixed or adjustable rate options
How DSCR Loans Work
DSCR loans from Peach Tree Commercial Capital offer flexible, income-based financing for real estate investors by qualifying deals based on property cash flow—not personal income. Great for growing your rental portfolio while keeping approvals simple and fast, and remains committed to your future investments with our Long Term Rental loan program. This program offers a 30-year term and rates starting at 6.25% (changes with market) to ensure that our customers have true long-term financing options.
DSCR Loan Program
Terms & Guidelines
| Purpose | Purchase, Refinance, Cash Out |
| Collateral | SFR, 2-4 Units, Multifamily 5+ |
| Guarantors | US Citizens, Permanent Residents, Foreign Nationals |
| FICO | 650 649 or less Fast 50 program |
| Experience | New and Seasoned Investors |
| Term | 30 year, Fix Rate and Adjustable Rate |
| LTV | Up to 80% Purchase and Rate and Term Up to 75% Cash Out |
| Min Loan Amount | $65K |
| Max Loan Amount | $2MM |
| Min property value | $100K |
| Amortization Options | Fixed Rate with 5, 7, 10 years interest only Adjustable Rate 5, 7, 10 years |
| Interest Reserves | No |
| Prepayment penalty | 60 months – 12 months options |
| Rates | 6.25% |