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Loan programs DSCR / rental loans

DSCR & rental property loans for real estate investors nationwide

If you’re buying or refinancing rental property, your loan should be based on the deal not your W2. At Apollonia Equities, we provide DSCR loans for real estate investors nationwide. Our loans are structured around the property’s cash flow, giving you the ability to qualify based on income generated by the asset not your personal income. Whether you’re scaling a portfolio or stabilizing a new acquisition, we give you fast decisions, flexible terms, and a clear path to closing.

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/ Overview

What is a DSCR loan?

A rental property loan is financing designed for real estate investors to purchase or refinance income-producing properties. These loans typically offer long-term terms—often up to 30 years—and are structured around rental income and property performance, rather than relying solely on personal income. This makes them ideal for investors focused on scaling portfolios and generating consistent cash flow.

/ Loan parameters

Program parameters

Loan amount
$250K–$10M
Rates
Starting at 6%
Leverage
Up to 80% LTV on acquisitions; up to 75% LTV on cash-out refinances
Term
15–30 years
Minimum FICO
620
Minimum DSCR
0.75x

Apollonia Equities makes business-purpose loans secured by non-owner-occupied real estate. Not for consumer, personal, family or household use. All terms shown are indicative, represent maximum available parameters, and are subject to underwriting, appraisal, title, borrower experience and final credit approval. Maximum leverage and lowest advertised pricing are not available on every transaction or to every borrower. Loan amounts, rates, terms and timelines vary by program, market and asset. This is not a commitment to lend.

Use cases

  1. Purchase rental properties
  2. Cash-out refinance
  3. Rate and term refinance
  4. Portfolio expansion
  5. Stabilized or near-stabilized assets

Who this is for

  1. Real estate investors
  2. Landlords scaling portfolios
  3. Investors focused on long-term cash flow

/ Why Apollonia

Why investors choose Apollonia

  • Built around cash flow

    Your loan is structured around rental income and property performance. That means predictable payments and financing that actually aligns with how your investment performs over time.

  • Flexible deal structuring

    No two deals are the same. We structure each loan around your strategy whether you’re stabilizing a property, refinancing, or building a long-term hold portfolio.

  • Fast straightforward process

    We don’t drag deals out. Our process is simple, direct, and built for speed so you can move from opportunity to closing without unnecessary delays.

  • Reliable execution

    We do what we say we’re going to do. From approval through closing, we stay involved so your deal stays on track and funded.

Build long-term wealth with confidence

The right lender should help you scale, not slow you down.

Ready to grow your rental portfolio? If you’re looking for DSCR or rental property financing, we’ll structure a loan around your deal and get you to closing quickly.

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Get approved in 24–48 hours Direct lender No upfront fees

/ The difference

What makes our lending approach different

Traditional lenders focus on paperwork, income verification, and rigid guidelines. We focus on the deal. At Apollonia Equities, we underwrite based on property performance, move quickly, and structure loans around real world execution. That means less friction, faster approvals, and financing that actually works for investors.

  1. We qualify the property, not your W-2

    Loans are based on the rental income a property generates compared to its debt obligations, so your personal income is not the deciding factor.

  2. We finance long-term holds

    Rental loans are built for buy-and-hold investors, with long-term terms and predictable payments tied to how the property performs.

  3. We support purchases and refinances

    Buy a new rental, pull equity out with a cash-out refinance, or improve the rate and term on a property you already own.

  4. We finance a range of rental properties

    Single-family homes, condos, townhomes, and small multifamily properties all qualify, so you can grow your portfolio across property types.

/ FAQ

Common questions about rental property loans

What is a DSCR loan?

A DSCR (Debt Service Coverage Ratio) loan is based on a property’s rental income compared to its debt obligations. It allows investors to qualify based on property performance rather than personal income.

Are these loans available nationwide?

Yes. Apollonia Equities provides rental property financing to investors across the United States.

Can I use a DSCR loan for a purchase, refinance, or cash-out refinance?

Yes. DSCR loans can be used to purchase a rental property, refinance an existing loan, or access equity through a cash-out refinance. Apollonia Equities offers up to 80% LTV on qualifying purchases and up to 75% LTV on qualifying cash-out refinances.

What types of properties qualify?

We finance single-family homes, condos, townhomes, and small multifamily properties.

Can I qualify for a DSCR loan without showing personal income?

Yes. A DSCR loan is primarily underwritten based on the rental property’s ability to generate enough income to support its debt payments rather than relying on traditional personal income or employment documentation. Apollonia Equities considers the property’s rental income, expenses, value, credit profile, and overall transaction.

What is the minimum DSCR required?

Apollonia Equities can consider properties with a DSCR as low as 0.75x, depending on the overall strength of the transaction. This can provide additional flexibility for investors purchasing or refinancing rental properties that may not meet the requirements of traditional lenders.

Who are these loans best suited for?

These loans are designed for investors focused on long-term rental income, portfolio growth, and asset stability.

The financing you need to close more deals

Apollonia Equities is a direct private lender providing tailored real estate financing to investors and developers nationwide. From fix & flip and bridge loans to DSCR, multi family, and ground-up construction, we deliver flexible capital, efficient execution, and certainty of close.