Welcome to the Coastal Funding DSCR Blog
Welcome to the Coastal Funding DSCR Blog. This blog is all about DSCR loans: investment-property mortgages that qualify mainly on a property’s rental income instead of your personal income. What you’ll find …
Coastal Funding DSCR Blog
DSCR loan guides for real estate investors from Coastal Funding Corporation (NMLS 103035): qualify on a rental property's income, not your personal income.
DSCR Loan Rates and the Rental Market: Fall 2026 Update
DSCR loan rates don’t have one published national average. They depend on your DSCR, credit, down payment, and prepayment terms. For context, Freddie Mac’s 30-year conventional average was 7.32% on October …
DSCR Cash-Out Refinance: BRRRR and LLC Guide for Investors
A DSCR cash-out refinance replaces the loan on a rental property with a larger one and gives you the difference in cash. It qualifies mainly on the property’s rent compared with the new payment, not your personal …
DSCR vs. Bank Statement vs. Conventional Investor Loans
The main difference: a DSCR loan qualifies on the property’s rent, a bank statement loan qualifies on your income from bank deposits, and a conventional loan qualifies on your tax returns and debt-to-income ratio. …
DSCR Loan for Airbnb: Financing Short-Term Rentals
Yes, you can often use a DSCR loan for an Airbnb or other short-term rental. Instead of checking your personal income, the lender qualifies the loan on the property’s short-term rental income compared with its …
How to Calculate DSCR: Rental Property Loan Examples
To calculate DSCR for a rental property loan, divide the property’s gross monthly rent by its monthly PITIA (principal, interest, taxes, insurance, and HOA dues). A result of 1.0 means the rent exactly covers the …