DSCR HELOC
Unlock Up to 80% CLTV from Your Investment Properties
Without Touching Your First Mortgage
Pre-Qualify in 24–48 Hours. No Tax Returns. No W-2s. No Surprises.
Your rental properties are sitting on equity you haven't deployed yet. With a DSCR HELOC from DSCR Pro, you can access up to 80% CLTV using your property's rental income — not your personal tax returns — while keeping your existing first mortgage completely intact.
In 2026, that last part matters more than ever. If you locked in a low rate on your first mortgage, you don't have to give it up to access your equity. A DSCR HELOC lets you pull capital now and preserve what you already built.
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"DSCR Loan Interest Rates Explained: 5 Factors That Lower Your Rate"
Smart investors learn the system before they enter it.
Understanding what drives your interest rate helps you qualify for the lowest rate possible and can save you thousands. Most borrowers don't know these factors. You will.
Why Serious Investors Choose DSCR Pro
DSCR Pro is not a call-center lender. We are a specialized non-QM lending advisory that has been working exclusively with real estate investors since 2017 more than 25 years of combined real estate finance experience behind every deal we touch.
✅ 94% approval rate vs. traditional lenders' 47% denial rate
✅ Active in 48 states with deep Tri-State (NY/NJ/CT) expertise
✅ 24–48 hour pre-qualification - clear answers fast, not weeks from now
✅No income docs required - qualification based entirely on your property's cash flow
✅LLC and entity vesting allowed - protect your assets the right way
✅Rates from 5.99% - competitive non-QM pricing with full transparency
"It is my third loan with Eli from DSCR Pro — the team is super diligent, they will support you from day one to the day you close. If they tell you they can close, they have always delivered."
— Atanda O., repeat investor, 3 DSCR loans closed
The 2026 Moment: Access Equity Without Surrendering Your Rate
Here's the situation most investors are sitting in right now: you bought or refinanced a property in 2020, 2021, or 2022 at a rate you'd never get today. Your property has appreciated. You have equity. And you want to deploy that equity into your next deal.
The old path cash-out refinance means ripping out your existing first mortgage and replacing it at today's rates. That math doesn't always work.
The DSCR HELOC solves that problem directly.
You keep your first mortgage exactly as it is. You add a HELOC on top of it as a separate line of credit. You access your equity. You redeploy into new investments. And your existing first mortgage rate stays untouched.
No balloon payment pressure. No prepayment penalty. A 3-year revolving draw period that gives you flexibility not a countdown clock.
DSCR HELOC Program Details at a Glance
Key Program Parameters
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Maximum CLTV: Up to 80%
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Minimum FICO: 700
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Qualification basis: Subject property's rental income (DSCR)
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No minimum DSCR requirement on select programs
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Loan term: 30-year variable with 3-year draw period
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5 Year prepayment penalties
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Short-term rental (Airbnb/VRBO) income accepted
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First-time investors eligible
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No personal income documentation required — no tax returns, no W-2s, no pay stubs
Eligible Property Types
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1–4 unit residential investment properties
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Planned Unit Developments (PUDs)
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Warrantable condominiums
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Short-term rental properties
Entity & Ownership
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LLC, partnership, and corporation vesting allowed
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Non-permanent resident aliens eligible
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Foreign national investors — inquire about program availability
Use of Proceeds
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Acquire additional investment properties
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Renovate or reposition existing rental assets
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Pay down higher-interest-rate debt
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Portfolio diversification and expansion
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Business-purpose real estate activities
Which Product Is Right for Your Strategy?
Feature
DSCR HELOC
DSCR Loan (Standard)
Access to Funds
Revolving credit line
Lump sum at closing
Keep Your First Mortgage?
✅ YES — first mortgage untouched
❌ No — full refinance required
Prepayment Penalty
None
0–5 years (program-dependent)
Draw Period
3-year revolving line
N/A — fixed disbursement
Max CLTV
Up to 80%
Up to 75–80%
Qualification Basis
Property rental income (DSCR)
Property rental income (DSCR)
Tax Returns Required?
❌ No
❌ No
W-2s Required?
❌ No
❌ No
Best For
Investors who want flexibility
+ protect low first-rate
Investors wanting one loan at purchase or refinance
Bottom line: if you have a first mortgage you want to keep intact, especially a low rate from 2020–2022 the DSCR HELOC is your move. If you're acquiring a new property or want one consolidated loan, a standard DSCR loan is your path. Not sure which is right for you? That's exactly what our 24–48 hour pre-qualification conversation is for.
Fast and Simple. No Surprises.
Here's the Process.
Step 1 :
Tell Us About the Property
Share the basics: property address, current estimated value, existing mortgage balance, and monthly rental income. No tax returns, no W-2s, no pay stubs needed at this stage. We use the property's income, not yours.
Step 2 :
Pre-Qualification in 24–48 Hours
Within one to two business days, you'll have a clear picture of what you qualify for — CLTV, estimated line amount, rate range, and terms. Clear, consistent communication from the start. No waiting weeks for a basic answer.
Step 3 :
Loan Structuring & Scenario Review
We'll walk through your options and compare scenarios — HELOC vs. cash-out refi, rate-and-term considerations, entity structure — so you can make the right decision for your portfolio, not just the easiest one to process.
Step 4 :
Underwriting & Approval
Your file moves through our 90+ lender network for optimal terms. Investor-focused underwriting means fewer surprises, fewer conditions, and a team that's proactively communicating with you at every stage.
Step 5 :
Close and Deploy Your Capital
2-week closings are possible. Once your HELOC is established, your revolving line is available to draw during the 3-year draw period — pull when you need it, pay it back, pull again. Your first mortgage stays exactly as it is.
What Investors Are Saying About DSCR Pro
"After several months of back and forth with another bank that left me in a very complicated situation, Tania and Eli arrived to the rescue. They were incredibly efficient and provided exceptional help. Thanks to them, I was able to close my loan in less than 30 days."
— Franklin R., investor rescued from a 5-month lender failure
"He doesn't just process loans — he strategizes to help deals close and clients win. A true partner in the business."
— Jason H., real estate agent & investor partner
"My client had a tough situation with another mortgage company where they promised closing in 60 days. After 5 months and almost losing the deal, we introduced the buyer to DSCR Pro and they were able to save the deal."
— Errol L., real estate agent, deal rescue story
Frequently Asked Questions
Q1. What is a DSCR HELOC and how is it different from a regular HELOC?
A DSCR HELOC is a home equity line of credit for investment properties that qualifies based on the property's rental income not your personal tax returns, W-2s, or pay stubs. A traditional HELOC typically requires full personal income documentation and is rarely available on investment properties at all. With DSCR Pro's DSCR HELOC, your rental income does the qualifying.
Q2: Can I keep my current first mortgage if I use a DSCR HELOC?
Yes, and this is one of the biggest advantages in 2026. A DSCR HELOC sits as a second lien or first-lien line of credit, depending on structure. You do not have to refinance your existing first mortgage. If you locked in a 3–4% rate in prior years, you can access equity without disturbing that rate.
Q3: What CLTV can I go up to?
DSCR Pro offers up to 80% CLTV (Combined Loan-to-Value). This is among the highest available in the non-QM HELOC market and means you can access more of your equity while maintaining a healthy cushion.
Q4: How fast can I get pre-qualified?
DSCR Pro pre-qualifies investors within 24–48 hours. No surprises, no waiting weeks for a basic answer. We give you a clear picture of what you qualify for quickly, so you can move on your strategy, not sit and wait.
Q5: What properties are eligible for a DSCR HELOC?
Eligible properties include 1–4 unit residential investment properties, planned unit developments (PUDs), and warrantable condominiums. Short-term rental (Airbnb/VRBO) income is accepted. Both long-term and short-term rental properties qualify.
Q6: Do I need a certain credit score?
Yes. A minimum FICO score of 700 is required for most DSCR HELOC programs. This is consistent with standard non-QM guidelines and significantly more accessible than traditional banks, which often require 740–760 for investment property equity products.
Q7: Are LLCs and other entities allowed?
Yes. Vesting in the name of an LLC, partnership, or corporation is permitted. This is critical for investors who hold properties in entities for liability protection, you don't need to hold the property personally to qualify.
Q8: Is this available if I'm a first-time investor?
Yes. First-time investors are eligible for the DSCR HELOC program. The qualification is based on the property's rental income performance, not your years of experience as a landlord.
Q9: What can I use the funds for?
Proceeds can be used for any business-purpose real estate activity: acquiring additional investment properties, renovating existing rentals, paying down higher-interest debt, or diversifying your portfolio. These are investment property funds — not for personal use.
Q10: Are there balloon payments or prepayment penalties?
No prepayment penalties. This is a 30-year variable-rate product with a 3-year draw period. Unlike some DSCR bridge products that come with balloon payment structures, the DSCR HELOC gives you flexibility without a ticking clock on your exit.
Your Equity is Ready.
Your Next Investment is Waiting.
Most investors spend months wondering if they can access their equity. Our clients know in 24–48 hours.
DSCR Pro has helped hundreds of real estate investors across 48 states unlock capital from properties they already own — without tax returns, without disrupting their first mortgage, and without the surprise requirements that blow up timelines at traditional lenders.
If your rental property has equity, let's have a straightforward conversation about what a DSCR HELOC looks like for your specific situation.
✅ No income docs.
✅ No W-2s.
✅ No surprises.
✅ Fast and simple.
Your 3-Step Roadmap to Ownership
1
Submit Your Form
Tell us a little about the property you are eyeing. It takes less than 2 minutes.
2
Expert Consultation
Speak with a dedicated advisor who will run the numbers, explain your options, and structure the loan to fit your goals.
3
Close & Scale
We handle the paperwork. You get the keys. Then, we help you leverage that equity to buy your next one.