The DSCR Rental Program
DSCR rental loan: see what you qualify for in 60 seconds, no tax returns.
Qualifies on the rent, not your income. Up to 80% of purchase, 75% on refinance, in 36 states. 3 questions, one tap each, and your answer is on screen.
- ✓ No credit pull
- ✓ No fees
- ✓ Call back within the hour
Why investors choose Reissers
Pre-qualify today and get all of this, free
- Deal review by a principal, not a call center$500
- Exit strategy call: bridge → rental, sale, or refi$350
- Term sheet within 1 business hour, or your appraisal fee credited within 10 days after closing*$250
- Draw schedule + contractor checklist$200
$1,300 value Free with your pre-qualification
| Your bank | Reissers |
|---|---|
| 45 to 60 days to close | As little as 10 business days |
| 2 years of tax returns | No tax returns |
| 20 – 25% down, always | Up to 100% of the deal* |
| No credit? No deal. | Foreign nationals welcome |
| Answer in weeks | Answer in 60 seconds |
⚡ We call you back within the hour during business hours. Terms are priced live and hold for 48 hours.
Prefer to talk? We answer in four languages.
*Up to 100% of purchase and renovation for experienced investors with strong credit. For LLCs and corporations. Available in 36 states. Subject to underwriting. Callback during Mon–Fri 9:00–18:00 ET.
What we lend on
30-year fixed or interest-only for 1–8 unit rentals held in an LLC. Qualification is based on the property's rent (DSCR), not your personal income. Up to 80% of purchase, 75% on cash-out refinance. Loan amounts $200K to $5M.
12 to 24 months, interest-only, up to 90% of purchase and 100% of the renovation budget, released in draws. Up to 100% of the deal for experienced investors with strong credit. No prepayment penalty on most programs.
Short-term bridge to buy before you sell or refinance, and construction loans for investors with a permitted plan and a builder in place. 12 to 24 months.
Who qualifies
- Business entities only: LLC, corporation or LP. No owner-occupied homes.
- Investment property in one of the 36 states we lend in, worth at least $150K after repairs.
- Foreign nationals welcome through a US entity, with a US bank account.
- No tax returns, no W-2s, no personal income verification. We look at the property, the plan and your track record.
- No credit pull to pre-qualify. A soft pull happens only after you accept a term sheet.
How it works
- Answer four questions above and see the terms you typically qualify for, instantly.
- A senior member of our team calls you within one business hour to confirm the deal.
- Send the short document list (entity docs, purchase contract, rehab budget or lease).
- Term sheet within one business hour of a complete file. Close in as little as 10 business days.
Questions investors ask
Does pre-qualifying affect my credit?
No. The four questions and the phone call involve no credit inquiry. We only run credit after you accept a term sheet, and we tell you before we do.
What documents will I need?
Entity documents (articles and operating agreement), the purchase contract, a renovation budget for flips or the lease for rentals, two months of bank statements for reserves, and a photo ID. We send you the exact list after the call.
How fast can you really close?
Ten business days is our fastest, with a clean title, an appraisal that can be scheduled quickly and a responsive borrower. Two to three weeks is typical.
What are the rates and fees?
Rates depend on leverage, experience, credit and the property, so they are priced deal by deal and shown on your term sheet. Origination is typically 1 to 2 points. There are no application fees and no upfront fees before a term sheet.
Is Reissers Capital a bank?
No. We are a private lender for real estate investors based in Bal Harbour, Florida, funding business-purpose loans directly and with our capital partners. We do not make consumer loans.
Reissers Capital · 10275 Collins Ave, Bal Harbour, FL 33154. Business-purpose loans to entities only. All loans are subject to underwriting, appraisal and approval. Rates, leverage and terms vary by state, property and borrower and are shown on your term sheet. The pre-qualification above is an estimate, not a commitment to lend.
Your deal, typically
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Get your pre-qualification in writing
We email you the summary and the short list of what to send for a term sheet.
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Pre-qualification is based on the information you provided and is not a commitment to lend. Final terms follow underwriting and appraisal. *1-hour promise: business hours Mon-Fri 9:00-18:00 ET, complete file (address, purchase price, entity name); appraisal credit up to $750, paid within 10 days after the closing of a loan arranged by Reissers Capital; information provided must be accurate.