DSCR
Turn Rental Properties Into Passive Income & Long-Term Wealth
From single-family to multifamily and short-term rentals, we finance the strategies that build lasting returns.
About the Solution
Owning long-term rental properties is about creating financial stability, passive income, and lasting equity. It’s about having a strategy that allows your assets to grow while you focus on the next opportunity.
At Conventus, we know that every investment decision counts
That’s why we provide fast, flexible, and investor-focused financing designed for buy-and-hold investors who want to scale, generate steady cash flow, and build wealth—without the traditional lending headaches.
Close in as little as 30 days
No W-2s required
Maximize cash flow
Who Benefits from DSCR?
Buy & Hold Investors
Secure steady cash flow with low overhead costs.
New Investors
Purchase a first rental property without strict W-2 requirements.
Scaling Investors
Use DSCR loans to expand rental portfolios faster.
Portfolio Owners
Refinance multiple properties under one streamlined loan.
Loan Terms & Features
- Available for single family, multi-family up to 12 units, and short-term rentals
- Purchases or refinances
- Loan Amounts: $75K – $3MM
- LTV (Loan-to-Value): Up to 80%
- Loan Term: 30-Year Fixed, 5 to 10 Year ARMS with Interest Only option
- Interest Rates: Starting from 6%
- Closing Time: 30–45 Days
The conventus process:
How the Conventus Process Works
1.
Apply & Get Pre-Approved in 24-48 Hours
Submit basic property details—no extensive paperwork or tax returns required.
2.
Close & Secure Financing
Our streamlined underwriting process ensures a closing within 30–45 days.
3.
Rent & Generate Income
Once funded, start collecting rental income and growing your wealth.
4.
Scale Your Portfolio
Use rental income to refinance existing assets or acquire new properties, ideal for growing investors focused on long-term expansion.
Fast, Flexible Financing for Real Estate Investors
Conventus provides tailored Long-Term Rental Loans designed for real estate investors looking to scale without the delays and restrictions of traditional banks.
- No W-2s, No Tax Returns Required – Loan approvals based on property cash flow, not personal income.
- Low Monthly Payments – We have competitive rates and flexible term options for predictable expenses.
- Scalable Financing – Use our DSCR-based loans to acquire multiple rental properties efficiently.
- Streamlined Process – Close in as little as 30 days and secure your next property faster.
Why Invest in Long-Term Rentals?
Long-term rentals create steady monthly income and long-term equity growth. With the right financing, you can:
- Generate Consistent Cash Flow – Rental income covers your mortgage, expenses, and builds passive income.
- Build Equity Over Time – Properties tend to appreciate, increasing your net worth.
- Leverage & Scale Efficiently – Rental income can help you qualify for more properties, expanding your portfolio.
- Benefit from Tax Advantages – Mortgage interest and depreciation provide significant tax savings.
Why investors trust conventus
Real estate investing is about confidence, speed, and partnerships that last. At Conventus, we’ve helped investors fund over $8 billion in real estate deals. We’re more than a lender—we’re a trusted capital partner who understands the urgency and complexity, as well as the ambition that drives the market.
Michael J.
"They are a pleasure to do business with and we view them as partners who are integral to the success of our business."
Real estate investor | Gilroy, CA
$2.0M
Loan Amount
Michael J.
"They are a pleasure to do business with and we view them as partners who are integral to the success of our business."
Real estate investor | Gilroy, CA
$2.0M
Loan Amount
Michael J.
"They are a pleasure to do business with and we view them as partners who are integral to the success of our business."
Real estate investor | Gilroy, CA
$2.0M
Loan Amount
Michael J.
"They are a pleasure to do business with and we view them as partners who are integral to the success of our business."
Real estate investor | Gilroy, CA
$2.0M
Loan Amount
Frequently Asked Questions (FAQ)
Quick answers to questions you may have.
How does a DSCR Loan work?
A DSCR (Debt Service Coverage Ratio) Loan qualifies you based on rental income instead of W-2s, making it easier for investors to scale their portfolios.
Can I get a long-term rental loan without tax returns?
Yes! Conventus focuses on the property’s cash flow—no personal tax returns are required.
Which properties qualify for long-term rental loans?
We finance single-family homes, duplexes, triplexes, fourplexes, and multifamily properties, as well as certain mixed-use properties.
How quickly can I close with Conventus?
Most loans close within 30–45 days, thanks to our investor-friendly underwriting process.
Do I need prior experience to qualify?
No. While experience can help, we work with first-time and experienced investors alike.
What’s the benefit of a 30-year fixed versus an ARM?
A 30-year fixed offers stable payments, while an ARM (Adjustable Rate Mortgage) starts with lower rates, which is ideal if you plan to refinance or sell before adjustment.
Can I refinance an existing rental property with Conventus?
Absolutely! Refinancing can lower your payments, free up equity, or consolidate multiple properties into one loan.
Are there prepayment penalties?
We offer loan options with and without prepayment penalties, so you can choose the best fit for your strategy.
Build Long-Term Wealth with the Right Financing
Whether you’re securing your first rental or expanding your portfolio, Conventus provides fast, flexible loans designed for real estate investors. Take the next step toward financial freedom today.
