First Choice Private Capital
Direct Private Capital for Investors, Builders, & Developers
DSCR Rental Loans
Long-term financing for non-owner occupied investment properties.
DSCR rental loans are designed for real estate investors purchasing or refinancing rental properties, including single family residences, 2-4 unit multifamily properties, townhomes, warrantable condominiums, and portfolio rentals.
Up to 80% LTV
Purchase and rate-term refinance financing available.
30-Year Terms
Fixed and ARM options available depending on structure.
1.05 Minimum DSCR
Rental income based qualification structure.
$75K to $2M
Flexible loan sizing for investment properties.
Eligible Property Types
Built around common investment property types.
Programs focus on residential investment assets with strong marketability and long-term rental potential.
Single Family Residences
2-4 Unit Multifamily
Townhomes
Warrantable Condominiums
Planned Unit Developments
Portfolio Rental Loans
Loan Options
Financing structures for different investment strategies.
Program Details
Core loan guidelines and structures.
Loan Amount
$75,000 - $2,000,000
Property Type
Non-Owner Occupied Only
Minimum FICO
660
Maximum Units
1-4 Units
Minimum DSCR
1.05
Loan Terms
Fixed & ARM Options
Occupancy
Business Purpose Only
Geographic Coverage
48 States
Process
Simple path from scenario to closing.
01
Submit Scenario
Provide the property information, estimated rents, loan purpose, and borrower details.
02
Review Structure
DSCR, leverage, credit, property type, and liquidity are reviewed.
03
Documentation
Leases, bank statements, entity documents, insurance, and appraisal items may be requested.
04
Closing & Funding
Once approved, the loan moves toward closing and final funding.
