Purchase or refinance rental properties with a long-term fixed rate. Loans from $75,000 to $1.5M, up to 80% LTV. Qualify on property cash flow. No W-2, no tax returns.
See full DSCR loan requirements → or try our DSCR loan calculator →
Looking for a hard money loan on a rental property? Most investors use a short-term bridge / hard money loan to acquire and stabilize a property, then refinance into a 30-year DSCR rental loan once it's leased. That's the BRRRR pipeline — and we fund both sides of it. See bridge loans →
Whether you're a new investor purchasing your first rental or a seasoned veteran with a diversified portfolio, Pimlico Capital is here to help. As a private lender, we close faster than big banks and require far fewer documents.
We underwrite on the property's DSCR — not your personal income — so self-employed investors and full-time landlords qualify easily. DSCR loans are sometimes called no-doc rental loans, bank statement rental loans, or no income verification rental loans. They're all the same product: qualify on the property's rental cash flow, no W-2 or tax returns required.
Need short-term financing first? See our bridge loans → then refinance into a 30-year fixed once the property is stabilized. See how one investor did it in our DSCR cash-out portfolio refi case study.
| 30-Year Rental Loan Terms | |
|---|---|
| Interest Rate | Starting at 6.25%* |
| Loan Term | 30-year fixed rate |
| Max LTV (Purchase) | Up to 80% LTV |
| Max LTV (R&T Refi) | Up to 80% LTV |
| Max LTV (Cash-Out) | Up to 75% LTV |
| Loan Amount | $75,000 – $1,500,000 |
| Qualifying Method | DSCR (property cash flow) |
| Minimum DSCR | 1.0x |
| Minimum FICO | 660 |
| Property Types | 1–4 unit residential |
| Close Time | As fast as 4 weeks |
You've completed your flip or stabilized a rental. Now refinance into a long-term fixed rate to free up cash and lower your monthly payments.
Ready-to-rent property that cash-flows from day one? Close quickly with our streamlined DSCR purchase loan. No W-2 or tax returns needed.
Pull equity from your existing portfolio to fund new acquisitions. Refinance up to 75% LTV and redeploy your capital without selling anything.
Everything buy-and-hold investors need to know about qualifying, refinancing, and scaling a rental portfolio.
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55+ investor guides covering DSCR, bridge loans, fix-and-flip, BRRRR, market updates, and more.
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