Single-family rentals
Finance one home at a time, with the rent it can produce at the center of the conversation.
Residential DSCR loans
Residential DSCR loans for real estate investors.
Use the income from the property to help qualify for the financing behind your next rental.
Powered by Iron Oak Lending | Dallas, Texas
Get Pre-QualifiedSee all loan programs
Pre-qualification is a preliminary inquiry only — it is not an approval, pre-approval, rate quote or commitment to lend.
Built around the asset
Your rental’s income can be part of the story.
What we finance
Residential properties with a clear income plan.
2–4 unit properties
Make room for more doors with a duplex, triplex, or fourplex rental property.
Condos and townhomes
Keep smaller, low-maintenance rental properties moving toward the next hold.
Short-term rentals (e.g. Airbnb)
Talk through a furnished rental where projected income is part of the plan.
Small multifamily, 5–10 units
Scale into a small apartment property with an approach built around its income.
Residential rentals
Financing for single-family and small multifamily rentals.
Why investors choose us
A residential loan conversation that stays focused.
Qualify on the property’s rent
The property’s expected income does more of the work in the review.
Less personal paperwork
You typically do not need personal income or tax returns to qualify.
Move at the pace of the deal
Get a clear path quickly when a good property needs a timely answer.
Available in 45 states
Available in 45 states for business-purpose investor and commercial loans.
How the DSCR ratio works
A simple check on rent versus the payment.
DSCR means debt-service coverage ratio. In plain English, a lender compares the property’s monthly rent with its monthly mortgage payment. A ratio around 1.0 means the rent covers the payment; stronger coverage can make the file easier to support.
Start with rent
Estimate the monthly income the property should produce.
Compare the payment
Look at rent next to the expected monthly mortgage payment.
Talk through the fit
We explain what the numbers mean for this property and plan.
What you’ll need to get started
Bring the basics. We’ll help with the rest.
- Property address
- Estimated value
- Expected monthly rent
- Entity or LLC details
- Credit score range
A rough estimate is enough for the first conversation. We can sort through the details together.
Ready to look at the property?
Start with a clear residential DSCR path.
Get Pre-Qualified
Pre-qualification is a preliminary inquiry only — it is not an approval, pre-approval, rate quote or commitment to lend.