Marathon Capital & Mortgage Advisory

DSCR Rental Loans

Qualify on the property's cash flow — not your tax returns.

Marathon places investor-purpose DSCR financing for rentals, cash-out refinances, and SFR portfolios across 48 states. No W-2s, no DTI, LLC vesting, and a term indication inside one business day.

  • Up to 80% LTV
  • 30-Yr Fixed & I/O
  • $75K – $5M
  • 50+ Lender Network

Free scenario review

Get DSCR terms.

No credit pull. Investor-purpose loans only.

Max LTV

80%

Rates from

6.125%

Min DSCR

0.75x

Coverage

48 States

Why DSCR

Your rent qualifies the loan.

Built for investors whose tax returns understate what the portfolio actually produces.

  • No tax returns, W-2s, or personal DTI calculation.
  • Close in an LLC — vesting built for portfolio investors.
  • 30-year fixed, 5/1 & 7/1 ARM, and interest-only options.
  • Purchase, rate-term refinance, and cash-out to 75% LTV.
  • Short-term rental and mid-term rental income accepted.
  • First-time investors and foreign nationals considered.

Quick check

Estimate your DSCR.

Rent divided by PITIA. It's the same first calculation a lender runs — get ahead of it before you submit.

Estimated DSCR

1.45x

1.20x+ · Best pricing tier

1.20x+ · Best pricing tier
1.00–1.19x · Standard pricing
0.75–0.99x · Reduced leverage
Under 0.75x · Below program
LTV
76%
PITIA / mo
$1,408
Cash flow / mo
$634

What this means

This scenario clears the best pricing tier. Send it over and we'll return a term indication with live lender quotes inside one business day.

Lock in this scenario

Send the numbers to a Marathon principal for a same-day term indication.

Assumptions used

  • 30-yr fixed — 30-year amortization.
  • PITIA includes principal & interest, taxes, insurance, and HOA.
  • Gross rent reduced by a 5% vacancy / management factor.
  • Rate is your input for illustration — not a quote or a lock.

Property income

$

Gross scheduled rent, all units

%

Haircut lenders often apply

$

As billed by the county

$

Hazard premium, annualized

$

Enter 0 if none

Financing

$

Drives the LTV calculation

$

Requested first-lien balance

%

Indicative rate for illustration

Structure

ARM prices off the same 30-year amortization.

Price this scenario 601.422.7660

Estimates only. Not a commitment to lend — final terms depend on appraisal, credit, reserves, and lender guidelines.

Executions

Three ways investors use Marathon DSCR capital.

Purchase

Acquisition capital for single-family and 2–8 unit rentals.

Rate outlook

6.125% – 7.875%

Up to 80% LTV · 1.10x+ DSCR · 660+ FICO

Cash-out refinance

Pull equity out of a seasoned rental to fund the next acquisition.

Rate outlook

6.75% – 8.50%+

Up to 75% LTV · 3–6 month seasoning

SFR portfolio

Roll scattered rentals into one portfolio-level execution.

Rate outlook

7.00% – 10.00%

5+ doors · single note · blanket release

Proof

Recent investor executions.

All case studies
Investor / DSCR·Florida

SFR portfolio recapitalization for a scaling operator.

Asset
SFR portfolio · 22 doors
Loan amount
$5.1M
Structure
DSCR portfolio · 30-yr
Rate
7.25%
LTV / LTC
75%

Challenge

Operator was managing 22 rentals across multiple one-off DSCR loans with mismatched terms and maturities.

Solution

Consolidated the portfolio under a single 30-year DSCR execution with unified reporting and a cash-out component.

Outcome

Freed ~$780K in equity to redeploy into three additional acquisitions in the following quarter.

Investor / DSCR·Georgia

DSCR cash-out refinance on a stabilized rental duplex.

Asset
Small multifamily · 1–4 unit
Loan amount
$385K
Structure
DSCR cash-out · 30-yr fixed
Rate
7.125%
LTV / LTC
75%

Challenge

Investor needed liquidity for the next acquisition without triggering personal-income underwriting.

Solution

Qualified the loan on property cash flow, not tax returns, and priced against a DSCR of 1.28x.

Outcome

Closed in 24 days with $92K in tax-deferred cash-out proceeds.

Questions

DSCR, answered.

How is a DSCR loan underwritten?
Qualification is driven by the property's debt service coverage ratio — gross rent divided by principal, interest, taxes, insurance, and any HOA. Personal income documents are not part of the file.
What DSCR do I need?
1.10x or better prices best. We regularly place files between 1.00x and 1.10x, and down to 0.75x with reduced leverage or added reserves.
How fast can this close?
Term indication typically within one business day of a complete scenario. Standard closings run 21–30 days depending on appraisal and title.
Can I close in an LLC?
Yes. DSCR loans are investor-purpose business loans and are commonly vested in an LLC or corporation.

Next step

Send the address and the rent. We'll send the terms.

Principal-led review, a 50+ lender network, and a term indication inside one business day.

Get My DSCR Terms 601.422.7660
Rate ranges are indicative market guidance as of July 2026 and are not a commitment to lend. Final pricing depends on DSCR, leverage, FICO, reserves, experience, property type, and lender guidelines. Investor-purpose loans only; not for owner-occupied or consumer-purpose financing.