MORTGAGES MADE SIMPLE.
Your rental property. Your financing plan.
Compare a property-focused loan with the other options available for your investment.
Lincoln Capital Funding helps rental-property investors compare DSCR financing through lending partners in the states and Washington, D.C. listed below. Rental income is central, but credit, down payment, reserves, and property eligibility still matter.
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What the ratio tells you.
DSCR compares qualifying rent with the property’s housing payment. For many residential investor programs, that payment includes principal, interest, property taxes, insurance, and association dues. The lender determines the rent and expenses it will use.
Illustration only: $2,500 in qualifying monthly rent divided by a $2,000 housing payment produces a DSCR of 1.25. That calculation alone does not establish eligibility or profitability. Vacancy, repairs, management, and other ownership expenses still belong in your investment budget.
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Compare the fit, not just the paperwork.
| Consideration | Conventional investment financing | DSCR financing |
|---|---|---|
| Income review | Personal income and debts; eligible rental income may help | Property rent is central; credit, equity and reserves still matter |
| Ownership | Typically individual borrowers, subject to program rules | Some programs allow an LLC; guarantees and documents vary |
| Cost and flexibility | Compare rate, points, insurance and closing costs | Also compare any prepayment penalty and rental restrictions |
| Service area | Michigan, Florida and Texas | Only the DSCR locations listed below |
YOUR QUESTIONS. REAL ANSWERS.
Questions worth asking.
Can I buy through an LLC?
Some DSCR programs permit eligible entities, including LLCs. Lenders may require organizational documents and a personal guarantee. Discuss the intended ownership before applying or transferring title. Marc can explain financing requirements; your legal and tax advisers can help with the ownership decision.
Can I refinance or access equity in a rental?
Potentially. Purchase, rate-and-term refinance, and cash-out options depend on lender guidelines, property history, equity, rent, credit, and reserves. Tell Marc how you plan to use the financing and how long you expect to keep the loan.
What should I know about prepayment penalties?
Some DSCR loans charge a fee if you pay off the loan early. Ask about the duration, calculation, and any alternative with a different penalty structure before choosing. Selling or refinancing sooner than planned can change the comparison.
Is this for a home I plan to live in?
This page concerns business-purpose investment-property financing. Tell Marc how the property will actually be occupied so the loan can be evaluated under the appropriate program.
What should I bring to our first conversation?
A property address or target area, price or estimated value, expected or current rent, available funds, ownership plans, and your expected holding period are a helpful starting point.
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Where we can help with DSCR loans.
This expanded service area applies to DSCR loans only. Other mortgage services remain available in Michigan, Florida, and Texas.
- Alabama
- Arkansas
- Colorado
- Connecticut
- Delaware
- Florida
- Hawaii
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Mississippi
- Missouri
- Montana
- New Jersey
- New Mexico
- New York
- Ohio
- Oklahoma
- Pennsylvania
- Rhode Island
- South Carolina
- Texas
- Washington
- Washington, D.C.
- West Virginia
- Wisconsin
- Wyoming
A CLIENT’S EXPERIENCE
A second chance. A two-week closing. A better rate.
With an investment property under contract, Jatinder Singh faced an unexpected setback: another lender denied his financing after initially approving it.
He came to Lincoln Capital Funding, and we closed his DSCR loan in two weeks.
We started with a conservative estimate of the property’s debt-service coverage ratio—the relationship between rental income and debt payments. When the final numbers came in stronger than expected, better loan terms became available.
We passed that improvement along, giving Jatinder a lower interest rate than he had originally agreed to, at no additional cost.
He was surprised we would improve a deal he had already accepted. For us, the decision was simple: when a better option became available for our client, we made sure he received it.
“Moving forward I will only work with Marc — I've never received this level of service.”
— Jatinder Singh
Individual client experience. Loan terms and closing timelines vary by borrower, property and lender.
A CONVERSATION IS A GOOD START
Let’s talk through your options.
Questions are welcome at every stage. Work directly with Marc, without pressure to apply before you’re ready.
Book a conversationPlease leave your phone number in the booking notes so Marc can call you.
Apply online →A CLEARER PICTURE
Sources & further reading.
Educational information. Loan availability and eligibility depend on lender and program requirements.