Using a DSCR Loan for Airbnb & Short-Term Rentals: Pros & Cons
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Long-Term Rental Loans
Partner with Longleaf Lending for tailored rental loans designed to elevate your real estate portfolio.
Build wealth through real estate
Why choose our Rental Loans?
Our Long-Term Rental Loans are crafted for investors like you, who seek to build wealth through a portfolio of rental properties. With our focus on the cash flow potential rather than traditional income verification, we make the loan process straightforward and accessible.
- No income verification required.
- We streamline your experience by eliminating the conventional mortgage financing requirement of income verification, focusing instead on the potential cash flow of your investment.
- Designed for your investment goals.
- Whether it’s short-term vacation rentals or long-term leases, our rental loans offer the flexibility to match your strategy.
- Simplicity and speed.
- At Longleaf Lending, we value your time. Our process is designed for efficiency, ensuring a smooth and swift journey from application to funding.
Long Term Rental Loan Terms
Get the financing you need to build wealth with real estate using our DSCR long-term investor loans.
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How Longleaf Lending's DSCR Loans Work
DSCR (Debt Service Coverage Ratio) loans are a type of financing used by real estate investors that focus on the income generated by the property rather than the personal income of the borrower. Here’s a simplified explanation:
- Calculation.
- The DSCR is calculated by dividing the property's Net Operating Income (NOI) by its total annual debt payments. NOI reflects the positive cash flow from the property after operating expenses (mortgage payment, taxes, and insurance) are subtracted.
- Criteria for approval.
- We typically require a DSCR greater than 1.0, indicating the investment property generates sufficient cash flow to cover its debt obligations. A common threshold is a DSCR of 1.0 to 1.2 or higher, but it is possible to go lower.
- No personal income verification.
- The approval process emphasizes the property’s cash flow potential, not the borrower's personal financial situation, allowing for more accessible financing for investors.
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