Long-Term Investor Financing
DSCR loans for rental-property investors.
BrickHouse DSCR scenarios are intended for business-purpose financing on non-owner-occupied rental properties. The initial review centers on the property, transaction, rent profile, requested leverage, borrower credit profile, and applicable program requirements.
Common uses
- Purchase of an investment rental property
- Rate-and-term refinance
- Cash-out refinance
- Stabilized buy-and-hold strategy
- Long-term rental strategy
- Short-term rental scenarios when permitted by current guidelines
- Portfolio-growth scenarios
Property types
- Single-family investment property
- Condominium or townhome, subject to guidelines
- Two-to-four-unit property
- Multifamily or mixed-use scenarios routed to the appropriate program review
- Other non-owner-occupied rental property types considered under current guidelines
Information to prepare
Provide high-level details in the scenario form. Do not upload sensitive borrower documents through the public website.
- Property address, city, and state
- Purchase price or current estimated value
- Requested loan amount
- Current or expected monthly rent
- Estimated taxes, insurance, and association dues when applicable
- Transaction type
- Estimated credit-score range
- Ownership/entity information
- Target closing date
- Relevant property or borrower context
DSCR Program Guidelines
Guideline document for long-term DSCR rental financing scenarios.
Guideline document · Available soon on the Resources page
Program questions
Frequently asked questions
A DSCR loan is a business-purpose financing option for non-owner-occupied rental properties where the initial review commonly emphasizes property cash flow alongside other credit, property, and program factors. Exact eligibility is governed by current guidelines.
DSCR reviews are generally oriented around property cash flow rather than a conventional consumer-income underwriting approach. Documentation and qualifying methods still depend on the specific scenario and current guidelines.
Yes. Purchase, rate-and-term refinance, and cash-out refinance scenarios may be submitted for review when they fit current program requirements.
Short-term rental scenarios may be considered when permitted by current guidelines. Include the rental strategy and income assumptions in the scenario summary.
First-time investor scenarios can be submitted for review. Experience is one of several factors considered under current guidelines and does not guarantee eligibility.
Program descriptions on this website are general summaries. The current program guidelines, rate sheet, underwriting review, property eligibility, and applicable law control all loan decisions. Programs may change or may not be available in every state or for every property type.
Submit for review
Submit a DSCR scenario.
Share property, transaction, and sponsor context for initial review. Submission is not a loan application, approval, or commitment to lend.