TALK TO A LENDING EXPERT: (844) 223-7496
REQUEST FINANCING
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30-year dscr loan

No personal income?

No problem

REQUEST FINANCING
LOAN FEATURES

Qualify based on rental income —

not personal income

CoreVest’s Single-Asset DSCR Loan provides long-term financing for individual rental properties, allowing investors to qualify based on rental income, not personal income. Ideal for self-employed investors or those acquiring a single property, this loan makes funding predictable, simple, and fast.

Fixed or adjustable-rate loans based on DSCR (minimum 0.80x)
Flexible Loan Options
Eligible for 1-4 unit SFRs, condos, and townhomes
PROPERTY TYPES
Up to 80% of property value
Generous Leverage
30-year terms for stable, predictable payments
Loan Terms
From $75K to $3M+, tailored for individual investors
LOAN SIZE
Zero origination fee and Interest-only options
Other Features
Open-concept living room and dining area with gray sofas, a stone fireplace, large windows, and a wood staircase in a modern home.Open-concept living room and dining area with gray sofas, a stone fireplace, large windows, and a wood staircase in a modern home.
WHY COREVEST

Advantages of our DSCR loan

The CoreVest difference lies in reliability and efficiency. See how our dependable capital and streamlined process compare to conventional financing options.

Approval based on rental income
Minimal documentation
Quick to close
Built for self-employed
Investor friendly
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Conventional
Loans
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Row of modern gray townhomes with white trim, pitched roofs, and balconies facing the water, seen from a seawall.Row of modern gray townhomes with white trim, pitched roofs, and balconies facing the water, seen from a seawall.
RECENTLY FUNDED DEALS
Modern two-story cabin with black and wood siding, illuminated windows, and a covered deck, photographed at dusk with a colorful sunset sky behind wooded hills.
30-year dscr
$868,000
Closed
1 Property
Sevierville, TN
Backyard view of a blue single-story house with white trim, a white door, a small covered entry, and a concrete walkway through mulched garden beds.
30-year dscr
$1,235,000
Funded
1 Property
San Diego, CA
Two-story house with gray and white shingle siding, white trim, a covered entry, and a two-car garage with wood-tone doors, fronted by a paver driveway.
30-year dscr
$1,306,250
Funded
1 Property
Gloucester, MA
Single-story mid-century modern house with cream stucco walls, a low-pitched roof, palm trees, and a manicured lawn, photographed at sunset with mountains in the background.
30-year dscr
$1,018,000
Closed
1 Property
Indian Wells, CA
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FREQUENTLY ASKED QUESTIONS

Expert answers

to your DSCR loan questions

What types of residential properties do you finance?
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We provide financing for single-family rentals with 1–4 units, condos, and townhomes.
What is the difference between a CoreVest investment loan and a traditional home loan?
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We’re a commercial lender that provides financing exclusively for investors with non-owner-occupied properties. While a traditional home loan is a consumer product meant for a primary residence, a CoreVest investment loan is a business product meant for scaling a real estate portfolio.
Do you have seasoning requirements?
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Yes, seasoning requirements apply to certain loans. For our term rental loans and DSCR loans, leverage is generally capped at 90% of the total cost within the first six months, increasing to 100% between six and 12 months. DSCR cash-out refinances are also generally capped for the first six months, while standard rate-and-term refinances generally carry no loan-to-cost (LTC) restrictions.
Do your loans amortize?
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Yes, most of our rental loans amortize based on a 30-year schedule to help you steadily build equity. We also offer interest-only options depending on your investment strategy and goals.
Are your interest rates fixed or floating?
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As a cycle-tested lender, we offer fixed interest rates across our entire suite of loans, as well as floating or variable rates for our rental and term loans. Whether you prefer long-term predictability or short-term flexibility, we can structure our loans for your capital needs.
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REntal LOANS

Discover more

rental loan solutions

Move fast on your next project with short-term loans for acquisition, new construction, or renovation.

RENTAL LOANS
Rental Portfolio Loan
Unlock the full potential of your rental properties by bundling them into one loan with recourse and non-recourse options.
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Up to 70% LTV
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Close in as little as 30 days
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3–10 year terms
Explore financing
Rental Loans
Short-Term Rental Loan
Bring long-term budget stability to your vacation rental portfolio with a fixed-rate loan.
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Up to 70% LTV
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Close in as little as 15 days
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30-YEAR TERM
Explore financing
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Finance with
‍

confidence and ease

REQUEST FINANCING
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Talk to a
lending expert
844-223-7496
RENTAL LOANS
Rental Portfolio Loan30-Year DSCR Loan30-Year DSCR Portfolio LoanShort-Term Rental Loan
BRIDGE LOANS
Fix and Flip LoanLine of CreditNo-Ratio Bridge Loan
new construction loans
Ground-Up Construction LoanBuild-to-Rent Loan
Multifamily loans
Multifamily Bridge LoanMultifamily Term Loan
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PRIVACY NOTICEyour california privacy choicesterms of service
© 2026 CoreVest American Finance Lender LLC. All Rights Reserved. CoreVest American Finance Lender LLC (CoreVest) is a subsidiary of Redwood Trust, Inc. (Redwood). Neither CoreVest nor Redwood is a chartered bank or trust company, or depository institution. Neither CoreVest nor Redwood is authorized to accept deposits or trust accounts, nor licensed or regulated by any state or federal banking authority. CoreVest makes commercial, business purpose loans. Loans are for investment purposes only and not for personal, family, or household use. Loan product availability may be limited in certain states. This is not a commitment to lend. All loans are subject to borrower underwriting and credit approval, in CoreVest’s sole and absolute discretion. Other restrictions apply. NMLS Number 1627183; Loans made or arranged in California are made pursuant to a California Finance Lenders license (License No. 60DBO-43692); Oregon Mortgage Lending License #ML-5655; Utah Mortgage Entity License #11128868; Arizona Commercial Mortgage Banker License #CBK-1044531; Minnesota Residential Mortgage Banker License #MN-MO-1627183. The specific facts and circumstances of each proposed loan transaction impact whether CoreVest will be authorized to make loans in each applicable state. Website SiteMap