DSCR Rental Loan
Catalyx DSCR loans are streamlined Non-QM rental loans built for real estate investors. Approval is based primarily on the property's Debt Service Coverage Ratio (DSCR) — meaning the property's rental income covers its debt service. The result: property-centric underwriting that closes faster and lets investors scale rental portfolios efficiently. LLC closings, gift funds, and appraisal transfers are all accepted.
Property-Centric Underwriting. Rental-Income Driven.
Maximum Loan-to-Value
75%
660
Minimum FICO (Flexible)
Fixed-Rate, Interest-Only
30-Year
$50M
Maximum Loan Size
Key Features
First-time investors and experienced investors. Foreign-national and ITIN borrowers considered with appropriate documentation (KYC / AML required).
❋ Eligible Borrowers
LLC closings standard; other entity types accepted by exception.
❋ Entity Closings
Eligible (Airbnb, VRBO, etc.); underwriting may adjust for market and seasonality.
❋ Short-Term Rentals
Rate/term and cash-out refinances allowed; seasoning requirements apply.
❋ Refinance Types
Program-specific step-down or minimum-interest structures may apply.
❋ Prepayment
Gift funds permitted; appraisal transfers acceptable.
❋ Conveniences
How DSCR Sizing Works
Formula
DSCR = Rent ÷ PITIA (Principal + Interest + Taxes + Insurance + HOA).
Gross Monthly Rent
Determined from current lease or market rent per Form 1007 / 1025 appraisal.
Standard DSCR Threshold
Tiers priced at DSCR ≥ 1.25; no-ratio option available where appropriate.
May have specific DSCR floors; please ask for your tier.