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  • Rate: Starting at 5.875%

  • Points: 1.5

  • Purchase: 100%

  • Rehab: 100%​

  • LTV: 85% (or more) of the Appraisal

  • Term: 30 Year Fixed & Interest Only (5, 7, 10 yr)

  • $50K -$2M Non-Recourse

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What is a DSCR Loan?

Why Choose KCI ?

A DSCR loan qualifies based on a property’s cash flow—not your W-2s or tax returns. If your rental income covers the loan payment, you’re in business. At KCI, we make it fast, flexible, and investor-friendly.

  • Fast closings, so you can act on opportunities quickly

  • No income or employment verification

  • Competitive DSCR terms based on your rental income

  • Personalized support from experienced investor-focused advisors

Looking for rental income to qualify, not personal income? Our Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors who want to grow their rental portfolios without the hassle of traditional income verification.

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