TrustRental by LoanTrust
DSCR Rental Loan
The property qualifies. You close.
Up to 80%
LTV
1.0–1.25
Min DSCR
30-yr
Fixed or ARM
14–21 days
Typical close
No SSN required · No credit impact · Reviewed by Hans Michel, NMLS #2857209
How it works
- ✓No tax returns, W-2s, or paystubs — qualification is rent vs. payment (DSCR).
- ✓Single-family, condo, townhome, and 2–4 unit rentals; short-term-rental programs available.
- ✓LLC vesting standard. First-time investors eligible.
- ✓Rate/term and cash-out refinances for existing rentals.
Questions investors ask
What DSCR ratio do I need to qualify?
Most programs require 1.0–1.25 (rent equals or exceeds the payment by 0–25%). Below-1.0 programs exist at reduced leverage for strong borrowers.
Can I get a DSCR loan in an LLC?
Yes — LLC vesting is standard on investor programs, and it's the recommended structure for liability separation.
What are typical DSCR loan rates?
Investor DSCR pricing moves with the market and depends on credit, LTV, and coverage ratio. Request a scenario review for a live written quote — LoanTrust publishes program ranges on its DSCR rates page, and terms vary by borrower.