DSCR rental-property financing

Let the rental property's cash flow enter the conversation.

DSCR financing is designed for investment properties where rental income and recurring property obligations are central to the review. Mayday welcomes first-time and experienced investors, including borrowers who need to explain credit challenges as part of a complete property and borrower profile.

Get terms Calculate DSCR

May be relevant for

Single-family and eligible residential rental properties
Investors purchasing or refinancing cash-flowing assets
First-time rental investors with a documented property plan
Borrowers who want credit history reviewed with the full scenario

Documents to prepare

Property address, purchase or refinance details, and intended use
Current or projected lease and rental-income support
Taxes, insurance, HOA dues, and recurring property expenses
Entity, borrower, liquidity, and experience documentation requested for review
Credit explanation and supporting records when relevant

Review factors

Rental income and the lender's DSCR calculation method
Property type, condition, value, and market rent support
Loan purpose, leverage, reserves, and requested structure
Borrower, entity, credit, and documentation profile

The complete context matters

Credit challenges do not have to end the DSCR conversation.

Credit remains part of individual underwriting, but Mayday invites borrowers to explain what happened, what has changed, and how the rental property, reserves, documentation, and complete scenario fit together. No credit profile or calculator result guarantees eligibility, terms, or approval.

Tell us your situation

Program questions

Prepare for a more useful conversation.

What does DSCR measure?

DSCR compares qualifying property income with the debt and property obligations included in a lender's calculation. Methods vary, so the website calculator is educational rather than a qualification result.

Can a first-time investor inquire?

Yes. Experience is one part of a complete review. Share the property, rent support, reserves, entity details, and plan as completely as possible.

Can I inquire with imperfect credit?

Yes. Explain the credit context and provide supporting documentation when available. Credit is reviewed with the full borrower and property profile, and approval is never guaranteed.