DSCR Loans for Ohio Rental Properties
Long-term financing that qualifies on a property's cash flow instead of your tax returns. We don't underwrite DSCR loans directly; we connect you with lending partners who do.
A DSCR (Debt Service Coverage Ratio) loan is built for buy-and-hold investors. Instead of looking at your personal income, the lender qualifies the loan on whether the property's rent covers its debt, so it fits investors who want to scale a rental portfolio without the income-documentation hoops of a conventional mortgage.
DayOne doesn't directly underwrite DSCR rentals, but we work closely with lending partners who do. Many of our borrowers use us to acquire and renovate, then refinance into a DSCR loan through our partner network. Tell us about the deal and we'll connect you with the right long-term lender and help you through both sides of the process.
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Partner program
DSCR loans are typically structured as long-term, 30-year loans and qualify on the property's rental income, not your tax returns. Exact rates and terms vary by partner lender and depend on the property's cash flow, location, and condition. Submit your deal and we'll match you with the right lender and walk you through the options.
Who it's for
- —Buy-and-hold investors ready to refinance into a long-term hold
- —Portfolio investors who want to qualify on the property, not personal income
- —Borrowers finishing a flip or bridge loan who need a clean exit
How our DSCR partner program works
Tell us about your deal
Share the property and your plan, whether you're buying to hold or refinancing out of a flip or bridge.
We match you with a partner
We connect you with a DSCR lender in our network suited to the property's cash flow and your goals.
Qualify on cash flow
The lender qualifies the loan on the property's rent covering its debt, not your tax returns.
Lock in long-term financing
Close into a long-term hold loan and keep the property as a performing rental.
A typical DSCR exit
You use a DayOne fix & flip or bridge loan to acquire and renovate a rental in Dayton. Once it's stabilized and leased, you refinance into a DSCR loan through our partner network, qualifying on the property's rent rather than your income, and hold it long term.
Common questions
Does DayOne fund DSCR loans directly?
No. DSCR is a partner program, so we connect you with lending partners who underwrite long-term DSCR rental loans. We help on both sides: the short-term acquisition or rehab loan, and the handoff into a DSCR refinance.
What is a DSCR loan?
A Debt Service Coverage Ratio loan qualifies on whether the property's rental income covers its debt payments, rather than on your personal income. A DSCR above 1.0 generally means the property pays for itself.
What rate and term should I expect on a DSCR loan?
DSCR loans are usually long-term, 30-year loans (fixed or adjustable) and qualify on the property's rental income rather than your personal income. Because it's investment-property financing, rates typically run a bit higher than an owner-occupied mortgage, and your exact rate depends on the property's cash flow, your down payment, and credit. Since we place these through partner lenders, we'll bring you current, deal-specific pricing instead of a number that would be outdated by the time you read it.
Do I need to show tax returns?
Typically no, and that's the appeal of DSCR financing. Partner lenders qualify the loan on the property's cash flow, which makes it a fit for investors scaling a rental portfolio.
Can I use a DayOne loan and then refinance into a DSCR loan?
Yes, and it's one of the most common paths we see. Use a fix & flip or bridge loan to acquire and stabilize the property, then refinance into a long-term DSCR loan through our partner network.
Ready to refinance into a long-term hold?
Submit it and we'll tell you how we can help.
Tell Us About Your Deal →