Rental Loans - 30 Year Terms - Low Rates
Today's Current Floor Rate
Subject to Change Daily
5.50%
WHO OUR DSCR PROGRAM IS BUILT FOR
From your first rental to a full portfolio
Straightline provides financing to purchase or refinance 1 to 9 unit properties across the country. Our simple process and dedicated team keep your cash flow moving and closings on track.
Everyday Landlords
Lock in 30-Year money on a single rental using the property income ratios to qualify instead of your personal income.
Portfolio Investors
Simplify financing across multiple doors keeping your credit clear of multiple loans and keeping everything in your LLC or Corp.
BRRRR & Value Add Investors
Exit your rehab or bridge loan into long term DSCR financing so you can keep your capital free and build cash flow.
Program Summary
1 to 9 Unit Properties & Portfolios
LTV's*
80% on Purchase
80% on Rate/Term and Cash Out
Terms
30 Year Fixed
10 year interest only options
Seasoning Requirements
We have options to get cash out with only 1 month of seasoning
Asset Protection
Close in your LLC or Corporation and protect personal assets
Rates as low as
5.50%**
Loan Sizes
$75,000 to $5,000,000
Limited Documentation Required
No Tax Returns, Income Verification or Job Verification
Pre-Payment Penalty Not Required
We have flexible options based on your investment strategy
BRRRR Strategy Specialists
BRRRR Strategy: A Powerful Fit for DSCR Loans
What is the BRRRR Method?
The BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) is a proven framework used by real estate investors to scale rental portfolios quickly and efficiently. Instead of tying up capital in each property, BRRRR recycles the same dollars across multiple deals by increasing property value and stabilizing long‑term cash flow.
Here's how it works:
Buy It
Acquire an undervalued or distressed property with strong upside potential.
The goal is simple: buy at a discount so the after‑repair value (ARV) creates built‑in equity.
How Straightline Funding Supports Every Step of the BRRRR Process
BRRRR works best when investors have a lender who can stay with them from acquisition through stabilization, and that’s exactly what we do. Straightline Funding provides both the short‑term rehab loan and the long‑term DSCR refinance, giving you a seamless, predictable path from purchase to portfolio expansion.
Acquisition + Rehab Financing
We fund the initial purchase and renovation with flexible rehab loans designed specifically for value‑add projects. Investors benefit from:
• Fast approvals and reliable draw schedules
• Funding for both purchase and improvements
• Terms built around ARV and project scope
This ensures you can acquire distressed or under‑market properties and execute your renovation plan without delays or surprises.
Refinance Into Long‑Term DSCR
Once the property is rehabbed, leased, and stabilized, we transition you into a DSCR loan based on the property’s income. This refinance allows you to:
• Lock in long‑term financing
• Pull cash back out to recycle into the next BRRRR deal
• Scale your portfolio without conventional lending caps
A True Partner From Start to Finish
Because we handle both sides of the BRRRR equation, you’re not juggling multiple lenders, underwriting styles, or timelines. You get:
• One team
• One process
• One clear path from purchase → rehab → rent → refinance → repeat
Our goal is to be a long‑term partner who understands your strategy, supports your growth, and helps you execute BRRRR deals with confidence.
Straightline DSCR vs. Traditional Loans
Straightline DSCR
DSCR = Debt Service Coverage Ratio. The main qualifying factor is the property cash flow (rental income vs. debt)
Our loan approvals do not require paystubs, W'2s or tax returns
The paperwork involved with our DSCR loans is minimal and approvals are fast
Straightline's business was built for real estate investors. We only lend to LLCs and Corporations
Close in your LLC or Corporation to protect your credit and personal assets
Straightline has no rules that limit how many investment properties you can own
Traditional Mortgage Loan
Traditional Mortgage Loans rely on your personal income to support the loan and measure the property's income
Mortgage Loans require multiple years of income documention and measure your DTI
Mortgage Loans require extensive documentation which is time consuming and cumbersome
Mortgage lenders have strict guidelines and prefer to lend to individual homeowners
Most traditional mortgage lenders require you to close in your individual name
Mortgage Lenders have restrictions how many investment properties you can own
We're more than a Lender.
We are Your Lender.
At Straightline Funding, our DSCR loan program is designed for investors who want long-term, scalable rental financing without the delays and restrictions of traditional lenders. We underwrite the property’s cash flow, not your tax returns, so you can qualify based on performance, not paperwork.
Every investor’s strategy is different, and we treat your DSCR loan like the investment it is. From long-term holds to growing portfolio loans, our team works directly with you to evaluate cash flow, coordinate with title, and structure financing that actually fits the deal. No slow committees, no layers of approval, just clear communication with people who understand how investors operate.
Our process is built around speed, transparency, and predictability. With simplified documentation, competitive terms, and fast decision making, you get a long term loan you can rely on so you can keep buying, keep scaling, and keep cash flowing without surprises.
