DSCR Long-Term Rental Loans

Long-Term Rental Property Loans

ZINC’s DSCR loan program affords investors long-term financing options for their rental properties. Loan amounts range from $100,000 to $3 million with terms including 5-year ARM, 6-Year ARM and 30-year fixed along with interest only options. These loans are perfect for individual investors and funds into numerous types of entities including trusts, LLCs and corporations.

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Investment Property Loan Options

DEBT SERVICE COVERAGE LOAN (DSCR):

Investors can qualify based on the monthly rental cash flow of the subject property. Current or projected rental income for the subject property is evaluated to determine loan eligibility. DSCR down to 0.75, it’s that simple.

MIXED USE INVESTOR LOAN

Designed specifically for investors with multi-unit and mixed-use properties. Project GLA must be a minimum 51% residential and a minimum 51% of the income comes from residential unit(s).

MULTI-FAMILY LOAN:

Multifamily (1 to 8 units) purchase loans based on the projected rental income.

VACATION RENTAL:

If you’re investing in a vacation rental property — you’ve come to the right place, we can finance those too.

BLANKET/PORTFOLIO:

We also do blanket/portfolio loans.

Program Details

We Lend Nationwide

Hover over the state to view loan program availability

Why Choose ZINC Financial

Speed

Our loan approval process is focused on quickly underwriting and funding your loan to meet your timeline.

Ease

We handle the entire process in house from origination to underwriting to funding to servicing. We are with you every step of the way.

Reliability

ZINC is a balance sheet lender with its own funds along with an in house team for processing, servicing and underwriting, guaranteeing reliable funding for its borrowers.