A Direct DSCR Lender Who Can Reliably Close Within 7 to 14 Days
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*Constitution only operates in select states
Secure a DSCR loan to purchase or refinance an investment property
No pay stubs or W-2 forms required
Approval is based entirely on the property’s rental income compared to expenses
Where Most DSCR Lenders Fall Short
Most DSCR lenders are slow to close because of inefficient and outdated processes. They require you to complete a contact form, wait days for a loan officer to call, and answer a long list of questions over the phone. Borrowers end up losing good deals to cash buyers.
Most DSCR lenders aren’t lending you their own capital. They are brokers connecting you to lenders. This often leads to last-minute complications because the broker isn’t the decision-maker. If the lender finds an issue late into underwriting that the broker overlooked, it leads to last-minute drama.
What Sets Constitution Lending Apart
Our tools speed up the application process: You can generate instant quotes, term sheets, and approval letters using our automated pricer. Then, upload the required paperwork through our documents portal. This entire process takes less than five minutes. We will underwrite and close within 7 to 14 days.
We are direct lenders, not loan brokers: Because we lend you our capital, we're the decision-makers. We can give you a clear answer on your eligibility within hours of receiving your documents. This eliminates the possibility of last-minute drama.
Borrower Requirements
Qualification
DSCR Loan Requirement
Interest rates
As low as 6.75%
Minimum DSCR
0.75
Max Loan-to-Value (LTV)
80% for purchase; 75% for refinancing
Minimum FICO score
660
Type of property
Non-owner occupied single-family, 1–4 family, and 5–8 unit properties
Minimum and maximum loan amount
$125,000 to $3,000,000
Type of loans
DSCR loans, renovation loans, bridge loans & construction loans
How to Qualify for a DSCR Loan in 4 Easy Steps
Step
Use our automated pricer to price out various loan scenarios and generate instant quotes. You can play around with different loan amounts, LTVs, and rent numbers to see how they affect your DSCR and interest rate options.
Step 2
You’ll receive an instant loan quote, a term sheet, an approval letter, and a link to our documents portal.
Step 3
Upload the necessary documents through our portal, which details all the paperwork you need to submit. You can also track the status of your loan application and see what stage it is in. Plus, you’ll find a messaging feature to chat with our loan officers and ask questions.
Step 4
After submitting documents, you’ll receive a notification about whether you’ve qualified. We schedule closing with the title company within 7 to 14 days.
A Few Examples of Properties We’ve Financed
Daytona Beach, Florida - 3 bedroom single family home
Loan amount
$200,000
Loan term
30-year
Interest rate
6.3%
Closed within
4 days
A Few Examples of Properties We’ve Financed
Easiest borrowing experience ever
Easiest borrowing experience ever! I needed to close on a two family in 2 weeks. Constitution Lending was able to get it done in 10! I will be using them on my next deal for sure.
Lorenzo
Verified Buyer
Current Borrower - Future Investor
Constitution Lending helped my small business with our 1st loan for a fix and flip and new construction project. The team is professional, friendly and responsive. I look forward to a long relationship with the company and transitioning to becoming an investor.
Tyche
Verified Buyer
Constitution Lending vs Other DSCR lenders
Minimum DSCR Requirement
As low as 0.75
Typically 1.0 or higher
Time to Close
7–14 days
40 days or more
Closing reliability
We give you a final answer hours after you submit documents. No last minute surprises.
May come back to you with a rejection letter the day before closing.
Credit Score Minimum
660+
660+
Can vacant properties qualify?
Yes
Typically requires a paying tenant.
Prepayment Penalties
Flexible, with options for no penalty
Often strict penalties for early payoff
Loan Amounts
$100K to $3MM+
Often capped at $2MM
Experience Required
No prior landlord experience needed
May require rental history
Borrower Support
Dedicated one-on-one loan officer available to answer your questions through our portal.
General support or limited availability
States Covered
Nationwide
Limited states
Frequently Asked Questions
What is a DSCR Loan?
A DSCR loan is any type of financing in which the lender doesn’t consider the borrower’s financials when underwriting but the property’s debt service coverage ratio (DSCR). This ratio compares the property’s cash flow to its expenses, meaning you don’t need to worry about income verification or tax returns.