What types of business funding does Surge Financial offer?

Surge Financial offers SBA loans, business lines of credit, equipment financing, working capital loans, revenue-based financing, and invoice factoring. We help businesses secure $10K to $5M in funding.

What real estate financing options are available?

Surge Financial provides DSCR loans, hard money loans, bridge loans, fix-and-flip financing, ground-up construction loans, and portfolio loans for real estate investors in all 50 states.

How fast can I get approved for funding?

Most approvals take 24-48 hours. We offer no hard credit pull pre-qualification and no upfront fees. Contact us at 954-787-4348 to get started.

Do I need perfect credit to qualify?

No. We work with borrowers across the credit spectrum. Many of our financing options including hard money and DSCR loans are asset-based, meaning the property or business revenue matters more than your personal credit score.

A DSCR (Debt Service Coverage Ratio) loan is an investment property loan that qualifies based on the property's rental income rather than your personal tax returns. It is ideal for real estate investors who want to finance rental properties.

What is Surge Financial?

A streamlined financial platform providing fast, transparent funding solutions and financing options designed to help businesses scale with ease and efficiency.

What is a DSCR ratio and what do I need to qualify?

DSCR stands for Debt Service Coverage Ratio. It's calculated by dividing the property's gross rental income by the monthly mortgage payment (PITIA). A 1.0 DSCR means the rent exactly covers the payment. Most programs require 1.0 or higher, though some programs offer financing at 0.75 DSCR for strong assets. Higher DSCR = better terms.

How many DSCR loans can I have at once?

Unlike conventional Fannie/Freddie loans (limited to 10 financed properties), there is no standard limit on DSCR loans. Each property is evaluated independently. Many investors maintain portfolios of 20, 50, or 100+ properties using DSCR financing.

Can I do a cash-out refinance on my rental property with a DSCR loan?

Yes. Cash-out refinancing is available on DSCR loans, typically after 6–12 months of ownership (seasoning requirement varies by lender). Cash-out proceeds can be used for any investment purpose including acquiring additional properties.

What if my rental property has a vacancy right now?

Most DSCR programs use market rent (what the property should generate at full occupancy) rather than actual current rent, so a short-term vacancy doesn't necessarily disqualify you. Lenders will typically order a rent schedule from an appraiser as part of the underwriting process.

Real Estate FinancingLong-Term Rental Property Loans: DSCR Financing for Buy and Hold Investors

Long-Term Rental Property Loans: DSCR Financing for Buy and Hold Investors

DSCR loans let you scale a rental portfolio without personal income verification. Qualify on property cash flow, not your W-2. No portfolio limits.

Get Started. No Fees.

No Income Verification

DSCR Qualification

30-Year Fixed

Available

Cash-Out

Refinance Options

Unlimited

Portfolio Scaling

Overview

Financing Long-Term Rental Property Loans: DSCR Financing for Buy and Hold Investors

Long-term rental investing is a proven wealth-building strategy, but conventional mortgages limit how many properties you can finance and make scaling nearly impossible. DSCR loans break that ceiling. Qualify on the property's rental income alone, not your personal W-2 or tax returns. Build your portfolio without limits.

Loan Programs

Available Financing Options

Loan programs available for Long-Term Rental Property Loans: DSCR Financing for Buy and Hold Investors properties.

DSCR Loans

The debt service coverage ratio loan is specifically designed for buy and hold rental properties. No personal income verification. Scalable across unlimited properties. 30-year terms with fixed or adjustable rate options.

Bridge-to-DSCR

Use a short-term bridge loan to acquire a property that needs work or doesn't yet have stable tenants. Once stabilized, refinance into a long-term DSCR product.

Non-QM / Bank Statement

For investors who prefer to qualify on personal income but whose income is complex or non-traditional.

Why Surge

Why Investors Choose Surge Financial

No upfront fees. Asset-based lending options. A specialist who moves at the speed real estate requires.

5 days

Fastest close time

80%

Max LTV available

Upfront fees

All 50

States covered

Eligibility

Typical Loan Parameters

General guidelines for Long-Term Rental Property Loans: DSCR Financing for Buy and Hold Investors financing. Every deal is evaluated on its own merits. Contact us to discuss your specific situation.

Check Eligibility. No Fees.

DSCR

Loan Amount

$75K–$5M+

Terms

30 years

DSCR Requirement

1.0 (or 0.75)

Portfolio Limit

Unlimited

Bridge-to-DSCR

Loan Amount

$100K–$5M

Terms

Bridge 12-36mo

DSCR Requirement

1.25+ then DSCR

Portfolio Limit

Unlimited

Non-QM

Loan Amount

$150K–$3M

Terms

30 years

DSCR Requirement

N/A (income-based)

Portfolio Limit

6-10 properties

Best For

Who This Is For

These programs are designed for specific investor profiles. Find the scenario that matches your situation below.

Buy and hold investors who have hit the conventional lending limit of 10 financed properties

DSCR loans underwrite each property independently on its own rental income with no portfolio cap, allowing unlimited scaling beyond the conventional limit.

Self-employed investors and business owners who cannot qualify with W-2 income or tax returns

DSCR qualification is based entirely on the property's rental income relative to the monthly debt payment. Personal income, employment history, and tax returns are not required.

BRRRR investors who need to refinance a renovated property into permanent 30-year financing

Once the property is stabilized with a tenant and generating rental income, a DSCR refinance pulls equity back out and resets the hold structure on a long-term fixed rate.

Investors purchasing in markets where monthly rent covers or exceeds the mortgage payment

A DSCR of 1.0 or above means the property qualifies on its own income, making these programs ideal for cash-flowing markets where rental yields support the debt service.

Portfolio investors who want to replace variable-rate or short-term debt with long-term fixed financing

Refinancing hard money loans or bridge loans into 30-year DSCR products locks in a fixed rate, eliminates balloon payment risk, and stabilizes cash flow across the portfolio.

FAQ

Common Questions

Finance Your Long-Term Rental Property Loans: DSCR Financing for Buy and Hold Investors Property

No upfront fees. No hard credit pull. Tell us your deal and we will tell you what is possible.

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