Partners

About

(866) 598-6493

(866) 598-6493

Turn rental income into investment power

Access capital based on your property's current or potential cash flow with Truehold Financial's DSCR Loans.

Get a quote

Or call us at (866) 598-6493

Investment Property

What is a DSCR Loan?

DSCR (Debt Service Coverage Ratio) loans qualify you based on whether your property's rental income can cover the loan payments. Rather than requiring extensive documentation like tax returns and employment history, the emphasis shifts to what actually matters: your property's current cash flow or potential rental performance.

How It Works

Submit your information

Share basic property details and rental income information, typically without needing W-2s, tax returns, or employment verification.

Apply and lock in your rate

Digital property review and standard credit requirements follow. A loan officer will discuss rate and terms with you.

Close and access capital

Funding available in as few as 10 days. Use the capital for acquisitions, renovations, refinancing, or debt consolidation.

Why Choose DSCR Financing

Your Rental Income Does the Talking

Your rental income is more valuable than your W-2 for getting loans.

Fast Funding

Access up to 95% loan-to-cost and 80% after-repair value. Plus, we cover 100% of rehab costs.

Dedicated Team

Experienced specialists providing personalized guidance through the lending process.

No Portfolio Requirements

Property owners meeting standard qualifications can access investor-friendly financing without needing extensive portfolio history.

Frequently

asked questions

See all FAQs

See all FAQs

Ready to finance your next investment property?

Get financing designed specifically for property owners, based on what actually matters: your property's cash flow performance.

🇺🇸+1

What are you looking to do

Estimated credit score?

Products

  • Sell Your Home
  • Sell and Rent
  • Multifamily Sales
  • SFR Portfolio Sales
  • Investor Lending

Company

  • About Us
  • Customer Reviews
  • Careers

Resources

  • Blog
  • FAQs
  • Renting

Contact Us

  • Call Us
  • Email Us
  • Media Inquiries

Sell and Rent Locations

Ohio
  • Cleveland
  • Cincinnati
  • Columbus
  • Akron
  • Dayton
Florida
  • Tampa
  • Jacksonville
  • Lakeland
  • Orlando
Missouri
  • St. Louis
  • Kansas City
Kentucky
  • Louisville
  • Lexington
Oklahoma
  • Oklahoma City
  • Tulsa
Indiana
  • Indianapolis
Pennsylvania
  • Pittsburgh
New Mexico
  • Albuquerque
North Carolina
  • Charlotte
Georgia
  • Atlanta
Tennessee
  • Nashville
  • Memphis
Texas
  • Dallas
Arizona
  • Phoenix
Truehold BBB Business ReviewFair Housing And Equal Opportunity

General Disclosure

This website is promotional in nature and is not offered or intended as advice and should not be relied on as such. American Secure Living Inc. d/b/a Truehold ("Truehold") and SFR FinCo LLC d/b/a Truehold Financial ("Truehold Financial") are affiliated companies engaged in different businesses.

American Secure Living Inc. d/b/a Truehold

Truehold transactions are real estate sales transactions, including sell-and-stay opportunities that involve the sale of property and the subsequent leasing of that property by the seller pursuant to a lease agreement. Truehold does not typically allow sellers to re-purchase the property after the sale. Product offerings vary by state and locality. Terms and conditions apply.

Truehold's initial purchase offer is non-binding and is subject to the execution of a mutually satisfactory sale contract, contingent on a no-cost home inspection, and standard lease signing (if applicable). Offer may change based on inspection results. For sell-and-stay opportunities, post-sale, you must adhere to lease terms for the minimum term (which ranges from 6 - 24 months) to continue living in the home. This includes making timely rent payments, which may increase after the initial term. Customer testimonials are based on individual customer experience.

SFR FinCo LLC d/b/a Truehold Financial, NMLS #2740541

Lending office: 1200 Riverplace Blvd, Suite 900 Jacksonville, FL 32207

Truehold Financial offers mortgage lending and mortgage brokering services in select states. Loans are not available in all states. Loans are subject to qualification and approval requirements. Terms and conditions apply.

Visit the Truehold Financial Licensing page or NMLS Consumer Access for more information about Truehold Financial's (NMLS #2740541) licenses.

© 2026 American Secure Living, Inc. and/or its affiliates.

Privacy PolicyTerms & Conditions