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Questions? Call us  ·  (512) 337-3990
Loan Parameters
Product
Loan Details
Property Address
DSCR Calculator
Property & Borrower
Prepayment Penalty
5 Years
Est. 2006
In Business
$2B+
Loans Funded
6.5%*
Rates From
85% LTV*
Max Leverage
DSCR Rental Loans · Park Place Finance

The deal is yours.
We make sure it closes.

Real-time pricing based on today’s rates. No commitment required to view your options. Instant, transparent pricing so you can move with confidence.

No application fee. No commitment. Just your rate, in seconds.

Certainty of Close
Our own team reviews every file from start to finish. We work hard to close what we commit to. No last-minute surprises.
Transparent from day one
No Income Docs
Qualify on the property’s rental income, not your W2s or tax returns. Designed for investors buying rental properties, not primary residences.
Investment properties only
Built to Scale
From your first rental to your next ten, financing structured around your investment strategy, not bank bureaucracy.
Rental properties · All major markets
Prefer to talk? (512) 337-3990
DSCR@parkplaceus.com
Mon–Fri, 8am–6pm CT

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*Rates and maximum LTV subject to change and based on creditworthiness, DSCR, property type, and market conditions. Not a commitment to lend. All loans are for non-owner-occupied investment properties only and are not subject to consumer lending protections under TILA or RESPA. Final terms subject to full underwriting review.

Park Place Finance, LLC · Texas NMLS License #367411  |  Park Place Inc · California NMLS License #1112281  |  For licensing information: nmlsconsumeraccess.org

Common Questions
DSCR Loans, Explained
What is a DSCR loan?+
A DSCR loan qualifies you based on the rental property's cash flow rather than your personal income. Instead of reviewing tax returns or pay stubs, we look at whether the property's rent covers its monthly payment, taxes, insurance, and HOA. It's built for investors, not primary residences.
Do I need to provide tax returns or pay stubs?+
No. DSCR loans qualify on the property's rental income, not your personal income documentation. This makes them a common fit for self-employed investors and anyone whose tax returns don't reflect their full borrowing capacity.
What credit score do I need to qualify?+
Credit score is one factor among several, alongside LTV, DSCR, and property type. Rather than publish a blanket minimum, we'd rather show you real options for your specific scenario. Enter your numbers above and see what you qualify for in seconds.
What's the maximum LTV (loan-to-value) I can get?+
Up to 85% LTV, depending on credit score, DSCR, loan amount, and property type. Your exact maximum will show up automatically as you enter your scenario above.
Can I finance a short-term rental (Airbnb or VRBO)?+
Yes. Short-term rentals are eligible under our DSCR program, with some adjustments to maximum LTV and required DSCR compared to standard long-term rentals. Toggle "Short term rental" above to see how it affects your options.
Can I do a cash-out refinance?+
Yes. Cash-out refinance is available alongside purchase and rate/term refinance, selectable as a transaction type above. Terms and maximum LTV vary by transaction type.
Do you lend to LLCs or other business entities?+
Yes. DSCR loans are business-purpose loans and are commonly closed in the name of an LLC or other entity. They're not available for primary residences or owner-occupied properties.
Is there a prepayment penalty?+
Most of our DSCR options include a prepayment penalty structure, with the length and structure affecting your rate. Shorter or no-penalty options are available at a different rate. You can compare structures directly in the pricer above.