DSCR Rental Loans

Rates Starting at 5.39%*

Long Term Financing options for Investors aiming to acquire and maintain an unlimited portfolio of rental properties for cash flow.

Max TLV

Purchase: 85%
Cash-Out Refinance: 80%

30 years term

Flexible repayment periods

$75k - $2MM

Minimum loan amount

Flexible Financing Solutions

We can consider the signed lease rent for loan evaluations, provided there is documented rental income for a minimum of 3 months.

DSCR Standard

Purchase, rate-term refinance, or cash-out of a single rental property

660

Minimum FICO

85%

Max LTV

Recourse

Full Recourse only

Rate Types

Fixed and adjustable rate options available

Experience

not required

Amortization

Fully amortizing and Partial Interest Only options available

Borrower Type

Entity required

Property Types

Single family residences (SFR) / 2-4 unit properties / Warrantable condos / Townhomes / PUD

Vacancy Maximum

Purchases vacant are ok & 1 unit on a 2-4 unit refinance

Foreign Nationals

65% LTV

Seasoning Requirement | Waive Seasoning

No seasoning required when you start with a Fix & Flip loan and refinance into a DSCR loan, or if you buy with cash and then refinance.

Lease Requirements

Leased Units: Lower of (i) in-place rent & (ii) market rent Unleased Units: 90% of market rent

Minimum Debt Service Coverage Ratio

1.05x

Portfolio Loan

Eligible

Rural Properties

Available for rural properties — just with reduced loan size, lower leverage, and credit/DSCR minimums

1.0

DSCR Ratio

75%

LTV

Max loan amount

$750,000

Max CLTV: 75%

(Purchase), 70% (Rate/Term Refi), 65% (Cash-Out Refi)

Minimum FICO

700

Minimum DSCR

1.0

* Non-owner-occupied loans ONLY. All products are intended for residential properties.

** The rates shown represent the lowest possible options. The actual rates and deals you receive may change based on various approval criteria, including your FICO score, past experience, duration of ownership, among others.

*** We do not currently lend in the following states:

GROUND UP CONSTRUCTION LOANS

Build From The Ground Up. Fund With Confidence.

Rates Starting at 8.99%*

Levine Capital's Ground Up Construction Loans give real estate investors the leverage and flexibility to break ground faster. Competitive terms, investor-first underwriting, and capital structured around your 1-4 unit residential build.

Get a Quick Quote Book a Call

Up to 75% LTC

60% if unpermitted, plus 100% of construction costs

Portfolio Loans

Eligible for multi-property investors

$50K - $3MM

Loan amount range per project

Why Investors Choose Levine Capital

Private capital built around how serious real estate investors actually operate.

Fast, Reliable Closings

In-house underwriting and decisive capital deployment get you to the closing table in days, not weeks.

Flexible, Deal-Driven Terms

Loan structures tailored to your project economics, timeline, and exit strategy, not a one-size-fits-all rate sheet.

Competitive Pricing

Rates starting at 8.99% with leverage and pricing that keep your margins intact through completion.

Experience-Based Programs

Dedicated tracks for new investors and seasoned developers, with capacity to scale across portfolios.

Flexible Terms

Ground Up Construction Programs

Two purpose-built programs designed around your track record and project scope.

Ground Standard

Built for emerging real estate investors entering ground-up construction

Up to 85%

of total project costs

Experience 1-2 prior ground-up builds required; GCs accepted when permits tie to ground-ups. Guarantors with no experience considered case-by-case.

Max Loan-to-ARV Up to 70%

Recourse Full Recourse

Reserves / Escrows Minimum 1 month

Term Length 12 to 18 months

Property Count Min 1 / Max 2

Get a Quick Quote

Eligible & Ineligible Property Types

Eligible

✓Non-owner occupied 1-4 unit residential✓Townhomes✓Condos

Ineligible

✗Mixed use✗5+ unit multifamily✗Condotels✗Co-ops / TICs✗Commercial✗Log homes✗Oil & gas lease properties✗Operating farms, ranches, and orchards✗Vacation and seasonal rentals✗Rural properties

New Program

Modular Home Construction Financing

Bringing a modular build to market? We finance modular home projects nationwide under our Ground-Up Construction program.

✓FICO 650+

✓Up to 85% LTC / 65% ARV

✓Available Nationwide

✓Minimum Loan Amount: $300K

Submit a Modular Deal

Where We Lend

Nationwide coverage across our active lending markets.

Fund Your Next Build Without Tying Up Your Own Capital

Get a fast, no-obligation quote from a lender that closes when it counts.

Get a Quick Quote Book a Call

(772) 732-0757 | loans@levinecapital.com

* Non-owner-occupied loans only. All products are intended for residential investment properties.

** Rates shown reflect the lowest available pricing. Actual rates and terms are subject to approval criteria including FICO, experience, ownership duration, and other underwriting factors.

*** Levine Capital does not currently lend in: Arizona, Nevada, North Dakota, Oregon, South Dakota, Utah, and Vermont.