DSCR RENTAL LOANS – OHIO
Belcanto Capital offers long-term debt service coverage ratio (DSCR) rental loans to real estate investors who wish to grow their property portfolio in Ohio. This kind of loan is mainly based on the value/cash flow of the property and not the income/assets of the borrower. It’s a perfect part of the BRRRR strategy – use a DSCR loan for a cash-out refinance after rehab.

Ohio Areas Served
Any investment property in an urban or suburban setting may potentially qualify for a DSCR loan. These are the most common markets:
- Cincinnati
- Cleveland
- Columbus
- Akron/Canton
- Dayton/Springfield
Basic DSCR Loan Terms
- Property types: residential 1-8 units
- Loan amounts from $75,000
- 80% LTV purchase/75% Cashout
- 30-year fixed or 5/7/10 ARM (I/O)
- Rates from 6.5%
- Minimum FICO 660
- No income verification
- Low fees and costs
- Target DSCR = 1.20+
DSCR Ratio = Rental Income / (Principal + Interest + Taxes + Insurance)
LONG-TERM LOAN SOLUTIONS
RENTAL (1-4 UNIT)
Purchase or refinance of 1-4 unit properties based on the cash flow performance of the property (DSCR-type rental loan) so you can quickly add doors. Includes cash-out refinance options (BRRRR method)
RENTAL (5+ UNITS)
Purchase or refinance of 5+ unit properties based on the cash flow performance of the property (DSCR-type rental loan) to scale up your portfolio. Includes cash-out refinance options (BRRRR method)
RENTAL PORTFOLIO
Purchase or refinance of a collection of rental properties based on the cash flow performance of the properties (DSCR-type portfolio loan) for terms of 5 to 30 years, including cash-out options
Ready to get started in Ohio?
Let’s discuss your specific project scenario