Long-term DSCR rental financing
Rental financing for the long hold.
30-year DSCR loans for single-family and multifamily rentals — qualified on the property's cash flow, with up to 80% loan to value and low or no prepayment penalty options.
- Max loan to value
- 80%
- Max LTV on cash-out
- 75%
- Minimum DSCR
- 0.75
What is a DSCR loan?
Qualified by the property, not just the paperwork.
A debt service coverage ratio (DSCR) loan is rental property financing underwritten primarily on how the property's income compares to its debt payments. A ratio above 1.0 means the rent covers the payment; below 1.0 means it covers part of it.
AE Capital Partners' buy and hold program allows a minimum DSCR of 0.75, giving investors room to finance properties that are still growing into their rents.
Rental income
Debt payments
DSCR
0.75
Program minimum
1.00
Rent equals payment
1.25+
Rent exceeds payment
Term options
Thirty years, your way.
30
Amortizing fixed
A fixed-rate, fully amortizing 30-year DSCR rental loan.
I/O
Interest-only adjustable
An interest-only, adjustable-rate 30-year DSCR rental loan.
Typical closing timeline
4 weeks
for single properties
5–8 weeks
for most portfolios
Timelines start when the file is ready for underwriting — all information and documents uploaded.
Who it's for
Long-term investors who…
- 1Investors holding stabilized rentals for long-term cash flow
- 2Flippers converting a finished project into a rental (BRRRR-style exit)
- 3Portfolio owners refinancing or pulling equity through a cash-out
Program highlights
- Finance up to 80% loan to value, 75% for cash-out
- Single-family & multifamily properties
- Low or no prepayment penalty options
- Minimum DSCR 0.75
All loans are subject to underwriting review and approval. Program terms, ratios, and eligibility requirements are subject to change without notice. This is not a commitment to lend.
Purchase a rental
Acquire an income-producing property with long-term, 30-year financing qualified on the property's debt service coverage.
Cash-out refinance
Unlock equity from a stabilized rental — up to 75% loan to value — to fund your next acquisition.
Refinance out of short-term debt
Move a completed renovation or bridge loan into permanent rental financing.
Ready to finance your next rental? Submit the deal in minutes.
Eligibility
What we look for in a rental deal.
Eligible property types
- Single-family rentals
- Small multifamily
- Rental portfolios
Requirements
- Finance up to 80% loan to value, 75% for cash-out
- Single-family & multifamily properties
- Low or no prepayment penalty options
- Minimum DSCR 0.75
- For recourse loans, one guarantor and signer with at least 25% ownership of the borrowing entity
- Title insurance is required on all loans
Common reasons submissions are declined
- 1Property is not in a state that we finance, or is in a location an appraiser would consider rural
- 2Property value or purchase price
- 3Credit score
- 4Liquidity
- 5Newer investors taking on extensive rehab projects
A debt service coverage ratio (DSCR) loan is rental property financing underwritten primarily on how the property's income compares to its debt payments. AE Capital Partners' buy and hold program allows a minimum DSCR of 0.75.
AE Capital Partners offers 30-year DSCR rental loans, both amortizing fixed and interest-only adjustable rates.
Only after you've accepted an offer and the loan is in underwriting.
About 4 weeks for single properties and 5–8 weeks for most portfolios, measured from when the file is ready for underwriting with all information and documents uploaded.
Related programs
Other ways to finance the deal.
75% loan to value
Short-Term Rental Loans
Financing for vacation and short-term rental properties listed on Airbnb, VRBO, or similar platforms.
80% loan to value
Bank Statement Loans
A 30-year loan that qualifies you through bank statement analysis — built for self-employed investors and business owners.
90% loan to cost
Fix & Flip Loans
Short-term financing to buy and renovate investment properties, with up to 90% of cost financed and no prepayment penalty.
Ready when you are
Build the portfolio. We'll bring the capital.
Submit your buy and hold deal through the portal, or talk with our team about refinancing an existing rental.
Prefer to talk? Call 310-810-1374