Rental property financing made simple

When it comes to scaling a rental portfolio, traditional income verification can be a roadblock for real estate investors. That’s where DSCR (Debt Service Coverage Ratio) Rental Loans from WCP come in. These loans qualify based on your property’s cash flow—not your personal income—so you can invest smarter and faster.

Even better? You can BRRRR [Buy, Renovate, Rent, Refinance, Repeat] all in-house with us, saving you the hassle of juggling multiple lenders across one project.

Is This For You?

DSCR Rental Loans are designed for real estate investors looking for long-term, cash-flow-based financing without the headaches of traditional underwriting. With WCP, you can manage the full BRRRR process under one roof—no need to coordinate between multiple lenders or service providers. These loans allow you to:

  • Purchase rental properties with no personal income verification
  • Refinance a recently completed renovated property to rent out
  • Refinance an existing rental for better terms
  • Bundle multiple properties into a single Portfolio DSCR Loan

With no experience required and flexible financing options, WCP makes it easy to build and grow your rental investment portfolio.

Quick Facts 

  • Loan Types: Purchase, Refinance, Cash Out, Portfolio Loans
  • Loan-to-Value (LTV): Up to 80%
  • Term Length: 30 years
  • Property Types: Single-family, duplex, triplex, fourplex, multi-family (up to 8 units), condos
  • Minimum Credit Score: 660
  • Approval based on property cash flow (DSCR)

Why Choose WCP for DSCR Rental Loans?

  • Secure Long Term Wealth

    With quick approvals, flexible funding, access to expert advice, and market insights, we are here to help succeed and secure long-term rental financing.
  • Invested In You

    Rental history not required—just smart, streamlined financing based on your property’s performance.
  • Personalized to Your Goals

    Your investment strategy is unique, and we customize your loan structure based on your goals.
  • You Have Our Word

    No surprises, no delays. Our commitment to our promises with you means you can buy, renovate, rent, refinance, and repeat—all in-house.

4 Easy Steps To Get Funding

01. Prequalify

Prequalify

Connect with a loan officer to discuss your project by filling out our form below or calling us directly at 703-348-0549.

02. Apply

Apply

Submit your property and borrower details for approval.

03. Loan Underwriting & Approval

Loan Underwriting & Approval

The first time through, we keep it simple. If you’re a returning borrower, we already know you—so approvals get faster and easier every time. No need to submit the same documents over and over.

04. Close & Fund

Close & Fund

When WCP commits, we deliver. No surprises, no letdowns – just the funding you were promised, so you can secure deals with confidence.

Our Loan Officers

Real people. Real expertise. Real support.

At WCP, you’re not just another loan application – we become invested in you and your success. When you reach out, you’ll be speaking with an experienced loan officer who knows the market inside out and is committed to giving everyone a chance to succeed.

FAQs: What Investors Ask
Most

Have more questions?

What are the differences between Purchase, Refinance, and Portfolio DSCR Loans?

  • Purchase DSCR Loan – Used to acquire rental properties that are turnkey and rent-ready. Tenants can already be in place or secured after closing.
  • Refinance DSCR Loan – Allows investors to refinance an existing rental property to secure better terms, pull cash out, lower monthly payments and move onto the next project
  • Portfolio DSCR Loan – Enables investors to bundle multiple rental properties into a single loan, simplifying management and payments and potentially saving on costs

What types of properties qualify for a DSCR Loan?

  • Single-family homes
  • Townhouses
  • Duplexes, triplexes, fourplexes
  • Multi-family (up to 8 units)
  • Condos

What are the borrower requirements?

  • Minimum credit score: 660
  • No personal income verification – Approval is based on the property’s cash flow (DSCR).

What are the Loan-to-Value (LTV) limits?

Up to 80% LTV.

How does WCP’s DSCR Loan compare to competitors?

Unlike many lenders, we allow investors to BRRRR (Buy, Renovate, Rent, Refinance, Repeat) in-house—meaning you can acquire, rehab, and refinance all under one lender for a seamless investment experience.

Secure Fast, Reliable DSCR Financing for
Your Rental Properties

Get flexible, cash-flow-based financing for your rental properties—with a lender that follows through.

Get insider access to off-market deals and market trends to invest smarter.

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