Rental Loans
Long-Term Financing for Investors Building a Rental Portfolio
Build Your Portfolio. Qualify on Cash Flow.
Rental loans are long-term financing designed for real estate investors acquiring or refinancing income-producing properties. Unlike conventional mortgages, our rental loan programs — including DSCR loans — qualify the deal based on the property's rental income, not your personal W-2s or tax returns.
That means self-employed investors, portfolio builders, and borrowers with complex income can still grow. If the rent covers the debt, the loan can qualify. It's that simple.
At AZ Consulting Partners, we structure rental financing that lets you hold properties for the long term, preserve cash flow, and scale your portfolio without the friction of traditional underwriting.
Built for Investors Who Hold, Not Flip
Every feature of our rental loan program is designed to help you acquire and keep income properties for the long term.
DSCR Qualification
Qualify based on the property's debt service coverage ratio — the rent relative to the debt payment — instead of personal income documentation.
No W-2 or Tax Returns
Self-employed investors and portfolio builders can qualify without traditional income verification. The property's cash flow does the talking.
Long-Term Amortization
Up to 30-year amortization keeps monthly payments low, preserves your monthly cash flow, and makes the numbers work for a hold strategy.
1–4 Unit Properties
Finance single-family homes, townhomes, and small multifamily properties — the core of most rental portfolios.
Cash-Out Refinance
Pull equity from appreciated or stabilized rentals to fund your next acquisition. Let your portfolio finance its own growth.
Portfolio Scaling
No arbitrary caps on the number of properties you can finance. Grow your rental portfolio on your terms, not a bank's limits.
Rental Loan FAQ
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a rental property loan that qualifies a borrower based on the property's rental income rather than personal income. If the rent covers the debt payment, the loan can qualify.
Do I need W-2 income or tax returns to qualify for a rental loan?
No. DSCR rental loans are designed for investors who may not qualify with conventional income documentation. The property's cash flow — measured by the debt service coverage ratio — is the primary qualifier.
What is a good DSCR to qualify?
Most lenders look for a DSCR of 1.0 or higher, meaning the rental income at least covers the debt payment. A DSCR above 1.2 typically qualifies for stronger terms. We'll help you run the numbers on your specific property.
Can I use a rental loan to refinance a flip?
Yes. Many investors use a DSCR rental loan to refinance out of a short-term fix-and-flip or bridge loan once the property is stabilized and rented — locking in long-term financing and pulling cash out for the next deal.
Grow Your Rental Portfolio
Tell us about your property and the rent it generates. We'll match you with a rental loan — including DSCR options — that lets you hold for the long term and scale on your terms.
