Long-Term · Cash Flow

DSCR MORTGAGES

A Debt Service Coverage Ratio (DSCR) loan qualifies based on the income a rental property generates — not your personal tax returns or W-2s. Ayin Capital's 30-Y…

A Debt Service Coverage Ratio (DSCR) loan qualifies based on the income a rental property generates — not your personal tax returns or W-2s. Ayin Capital's 30-Year DSCR Mortgage is built for investors scaling a rental portfolio, offering a fixed 30-year term with real LTVs and no bank hassle.

Who it's for: DSCR loans are ideal for landlords and portfolio investors who want to qualify on a property's rental income rather than personal income documentation. Great for self-employed investors, those with multiple financed properties, or anyone scaling a rental portfolio quickly.

Apply for 30-Year DSCR Mortgage

30-Year DSCR Mortgage — At a Glance

Purchase LTV

Up to 80%

Cash-Out Refinance

Up to 75%

Rate & Term Refinance

Up to 80%

How It Works

FROM APPLICATION
TO FUNDED.

Submit Your Scenario

Apply online or call Ayin Capital directly with your property details.

48-Hour Term Sheet

Receive a clear term sheet with loan amount, rate, and LTV within 48 hours.

Fast Underwriting

Asset-focused underwriting. No red tape, no endless documentation.

Close in 5–7 Days

Sign, close, and fund — on your timeline.

FAQ

30-YEAR DSCR MORTGAGE
QUESTIONS & ANSWERS

A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income the property generates, not your personal tax returns or W-2s. Ayin Capital offers a 30-year fixed term at up to 80% LTV on purchase and up to 75% on cash-out refinance.

No. DSCR loans are qualified primarily on the subject property's rental income relative to the proposed debt payment, not your personal income or tax returns.

Yes, Ayin Capital offers DSCR cash-out refinance up to 75% LTV, letting you extract equity to redeploy into new acquisitions.

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