Fast, Easy, and Flexible DSCR Rental Loans

Grow your real estate business further with Upright’s DSCR Rental Loans. We provide fast and reliable long-term funding tailored to meet your rental business needs.

We're currently only offering DSCR Rental Loans to existing customers. Please fill out the form below if you'd be interested in a loan when we begin funding everyone!

Upright DSCR Rental Loans offer:

Competitive Rates
Flexible terms
Interest-only Options
Local territory managers
Dedicated 24/7 support

Types of DSCR Rental Loans we Provide

30-year adjustable rate mortgage (ARM), fixed rate, or interest only
15-year adjustable rate mortgage (ARM), fixed rate, or interest only

Loan-to-Value (LTV)

80% for purchases or rate/term refinances
75% for cash-out refi

Minimum loan amount


Project Types

• Single-family residence (including modular)
• 2–4 unit residences
• Condominiums
• Townhomes
• Multi-family properties up to 10 units
• No mixed-used

Deb-to-income considerations?


Personal/business income verification?

No. Only subject rental income!

What is a DSCR Rental Loan?

A Debt-Service Coverage Ratio (DSCR) Rental Loan is a type of non-qualifying mortgage (non-QM) loan used by real estate investors to help them qualify for a loan based on their property's cash flow, without having to verify personal income. DSCR is the ratio of cash flow a borrower has against the borrower’s current debt obligations for an investment property.

Why get a DSCR Rental Loan?

Scale Fast

DSCR Rental Loans allow you to scale your rental real estate portfolio faster than working with conventional banks, which have strict requirements and slow closings, or a private lender who has limited funds. Fewer requirements and flexible long-term financing (and refinancing) provides better access to more capital which will help you scale your business faster.

Traditional mortgages can only be obtained by an individual. DSCR Rental Loans allow you to borrow as an entity or LLC which adds an extra layer of protection to your personal assets if anything goes wrong.

Refinance your hard money bridge loan into a long-term DSCR Rental Loan. Eliminate the tight restrictions of traditional funding with a DSCR rental loan which offers no hard credit checks, no debt-to-income considerations, and no personal/business income verification. Refi, finance a new project, or free up cash with DSCR Rental Loans.

BRRRR (Buy, Renovate, Rent, Refinance, Reinvest)

DSCR Rental Loans are perfect for real estate investors using the BRRRR investing strategy. Refinance your hard money bridge loan into a long-term DSCR rental loan for lower interest rates and access to more capital. The BRRRR Investment Strategy is a hybrid flip/rental strategy where an investor Buys a fixer-upper property at a discount, Rehabs the property, Rents the property to a long-term tenant and Refinances the property to cash-out their equity in the deal to be Re-invested in new deals to continually grow their portfolio.

Why get a hard money loan with Upright?

As you’ve probably already experienced, maintaining and growing a network of private lenders is time-consuming and inefficient — and that network has limited finances. Give your business the advantage by working with Upright.

people shaking hands with folder of collateral and termsheets

Reliable Financing

We’re a direct hard money lender with a diverse capital stack — which means we can fund your project, we can fund it fast, and we can continue funding it as each project progresses.

happy client talking with Upright territory manager

Local Team

When was the last time your lender visited your jobsite? We have Territory Managers and Regional Sales Directors throughout the U.S. — many who invest in real estate themselves.

Upright employee and client overlooking downtown Pittsburgh discussing expansion plans


With private lenders, you can take on only as many projects as your network can finance. With us, bring us the good deals, and we’ll fund them. Many of our borrower partners double their completed projects when they start working with us.

man answering a support call available 24/7

24/7 Support

Beyond our local teams, we have an entire in-house team dedicated to you and your business. We guide you through every step of the loan process, close faster than anyone in the industry, and make sure your draws are fast and accurate.