DSCR Loan vs Bank Financing
If your bank is too slow, too strict, and too low on leverage - or has capped how many loans you can have - there is a better path. Qualify on the property, not your tax returns. More leverage, more cash-out, no loan limits.
1.0× / none
Min DSCR
80%
Max LTV
None
Loan Cap
5-14 days
Close In
Bank vs Adler Capital, Side by Side
| Your bank | Adler Capital | |
|---|---|---|
| Qualifies on | Personal income & DTI | Property cash flow |
| Minimum DSCR | 1.25+ | Down to 1.0 / no-ratio |
| Leverage | Conservative | Up to 75-80% |
| Loan-count cap | ~10 properties | Unlimited |
| Income docs | 2 yrs returns, W-2s | None |
| Time to close | 45-60 days | 5-14 days |
| Complex entities | Often rejected | Welcome |
| Rate | Lowest, if approved | Around bank pricing |
Why Investors Outgrow the Bank
The bank is great until it is not. The first one or two loans go fine, then the friction starts: two years of tax returns, a debt-to-income ratio that punishes you for owning multiple properties, an in-house appraisal that comes in low, a 45 to 60 day timeline, and eventually a hard cap on how many loans they will do. For an investor trying to scale, every one of those is a wall.
A DSCR loan removes the walls. Qualification is based on the property's rental income, not your personal paperwork. We go down to a 1.0 ratio, and we have no-ratio and sub-1.0 programs that lean on equity and credit instead. Because we frequently see more value in the property than a conservative bank appraisal, the same loan amount often lands at a lower LTV with us - which means we can lend more and hand you more cash at closing.
We are honest about rate: a bank that approves you is usually the cheapest money available. We come in around bank pricing, frequently within a quarter point. What you gain in return is leverage, speed, flexibility on messy entities and operating agreements, and the single biggest one for a serious investor - no cap on the number of loans. Each deal stands on its own, so you can go from a handful of doors to a real portfolio without your personal balance sheet ever being the bottleneck.
Bank capped at 70% - we funded 80%
An investor with eight financed properties was turned away by their bank for hitting the loan-count limit, and the bank had valued the subject property at $800,000. We valued it at $1,000,000. On the same target loan amount, the bank's 50% LTV became our 60% LTV - and because we have no loan cap, the deal got done as an LLC with no tax returns.
Illustrative scenario based on typical program terms. Every deal is priced and valued individually.
Bank vs DSCR FAQ
Why would I leave my bank for a DSCR loan?
Banks qualify you on personal income and DTI, require a 1.25 DSCR, appraise conservatively, take 45 to 60 days, and cap how many properties you can finance (usually around 10). A DSCR loan qualifies on the property's cash flow, goes down to a 1.0 ratio or no-ratio, lends higher, closes in 5 to 14 days, and has no loan-count limit.
Are your rates higher than a bank?
We come in around bank pricing - often within a quarter point, sometimes lower, occasionally a touch higher. You trade almost nothing on rate for materially more leverage, speed, and flexibility, plus the ability to keep doing deals with no cap.
My bank says my properties are worth less than I think. Can you help?
Often, yes. Banks appraise conservatively. We frequently see more value in the property, and a higher value on the same loan amount means a lower effective LTV - which can unlock more leverage and more cash-out for you.
My bank capped me at 10 loans. Do you have a limit?
No. We have no cap on the number of loans you can hold. Each property qualifies on its own cash flow, so you can keep scaling without your personal balance sheet getting in the way.
My operating agreement and ownership structure are complicated. Is that a problem?
Not for us. Layered LLCs, partnerships, trusts, and unusual operating agreements are routine here. The structures that make a bank walk away are the ones we are built to finance.
What if my rent in place is below market?
We can often qualify on the higher of the in-place lease or market rent, so a below-market tenant does not automatically sink your file the way it can at a bank.
Ready to see what you actually qualify for?
Get a real number based on the property, not your tax returns. No income docs, no DTI, no loan caps.