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

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.

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).

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

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

We also do blanket/portfolio loans.



  • Up to 75% of Value
  • Purchase / Refinance
  • Single Family, Multi-Family
  • $100,000 – $3 million
  • Cash Out Option
  • Business Purpose Only
  • 40+ States

We Lend Nationwide

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Why Work with ZINC

Recently Funded DSCR Loans

  • LOAN AMOUNT: $420,000
  • LOAN TYPE: 12-Month Bridge
  • LOCATION: Fresno, CA
  • LOAN AMOUNT: $424,000
  • LOAN TYPE: 12-Month Bridge
  • LOCATION: Jurupa Valley, CA
  • LOAN AMOUNT: $3,655,000
  • LOAN TYPE: 12-Month Bridge
  • LOCATION: Basalt, CO

Calculate Your DSCR Investment Deal