DSCR Loan Application | KD Funding
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DSCR Loans for Real Estate Investors

Finance the Property Based on Its Cash-Flow Potential.

Submit your deal for an initial DSCR eligibility review covering investment-property purchases, refinances, and cash-out transactions.

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Choose your transaction
Investment properties Property cash-flow review Purchase, refinance, or cash-out
660+ Typical Credit Starting Point
Rental Income Property Cash Flow
Business Purpose Investment Properties
Multiple Paths Purchase • Refinance • Cash-Out
Interactive DSCR Calculator

Estimate the Property’s Debt Coverage.

Enter the current or expected rent, operating housing expenses, and proposed loan details to estimate monthly debt service and DSCR.

Property and Loan Inputs

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DSCR Prequalification Form

Submit the Property for an Initial Review.

Provide accurate deal, borrower, and property information. KD Funding will review the request and communicate any documents or clarification needed for the next step.

Secure form submission

Prequalification is not an approval, commitment to lend, or guarantee of rates, leverage, terms, closing time, or funding. Final eligibility remains subject to property review, credit, appraisal, documentation, lender underwriting, and program availability.

How the DSCR Process Works

From Deal Snapshot to Lender Review.

Select each stage to see what happens after the initial property information is submitted.

Prequalification

Submit the property, rent, expense, loan-request, and borrower details needed for an initial eligibility review.

  • Property type and address
  • Purchase price or estimated current value
  • Monthly rent, taxes, insurance, and HOA
Investment Property Financing

Three Common DSCR Transaction Paths.

The available structure depends on property cash flow, value, leverage, credit, reserves, documentation, and lender underwriting.

Investment Property Purchase

Acquire a rental property using the property’s expected or existing rental income as a primary underwriting factor.

Rate-and-Term Refinance

Replace existing property debt to pursue a more appropriate long-term structure, subject to current underwriting.

Cash-Out Refinance

Access eligible equity for additional investments, property improvements, reserves, or other permitted business purposes.

Keldrick Dodson, Real Estate Finance Manager
Your Finance Manager

Keldrick Dodson

Real Estate Finance & Business Funding Manager

I review the property details, financing goal, and current transaction stage before identifying the strongest responsible lender direction.

The goal is to create a complete, organized file and communicate clearly as the transaction moves from prequalification into documentation and underwriting.

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Investor Experiences

Real Estate Scenarios That Require Clear Guidance.

Seven detailed DSCR-focused testimonial drafts are included to demonstrate the final review presentation and range of investor scenarios.

★★★★★
“I was buying an eight-unit property in Atlanta and needed a lender that would focus on the building’s rent roll instead of my personal tax returns. Keldrick helped me organize the lease information, explain the coverage numbers, and keep the file moving when underwriting asked for updated insurance.”
Marcus J. Multifamily Investor • Atlanta, GA
★★★★★
“My Tampa portfolio refinance involved three properties, different lease dates, and one unit that had just turned over. Keldrick separated the issues, helped me understand which property needed stronger documentation, and kept the refinance from becoming confusing.”
Elena R. Rental Portfolio Owner • Tampa, FL
★★★★★
“I used a BRRRR strategy on a Cleveland duplex and needed the refinance to return enough capital for the next project. The appraisal, market rent, and reserve questions were handled clearly, and I always knew what underwriting still needed.”
David B. BRRRR Investor • Cleveland, OH
★★★★★
“The property was a furnished short-term rental, so the income story was not as simple as a standard twelve-month lease. Keldrick helped me present the operating history and understand the difference between projected income and what the lender would actually use.”
Alicia M. Short-Term Rental Investor • Scottsdale, AZ
★★★★★
“This was my first DSCR purchase, and I had questions about entity vesting, reserves, insurance, and what counted toward the monthly property expense. I never felt rushed. The process was explained in plain language from prequalification through lender review.”
Terrence W. First-Time Rental Investor • Dallas, TX
★★★★★
“I wanted to acquire another Charlotte rental through my LLC without disrupting capital set aside for renovations. Keldrick helped me compare leverage, cash-to-close, and the impact of the property’s current rent before I committed to the structure.”
Priya S. Portfolio Expansion • Charlotte, NC
★★★★★
“My mixed-use refinance required more explanation than a standard single-family rental. Keldrick helped me organize the residential leases, commercial income, and property expenses so the lender could evaluate the complete picture instead of receiving a scattered file.”
Jonathan K. Mixed-Use Investor • Philadelphia, PA

Draft testimonial copy is included for page design and positioning. Replace each name and statement with a verified client review before publishing the page as customer testimony.

DSCR Questions

Before You Submit the Property.

DSCR programs generally focus on the relationship between eligible property income and the property’s qualifying debt obligations. Credit, appraisal, reserves, property type, leverage, experience, and documentation may also affect eligibility.
No. A score near 660 may be a common starting point for some programs, but every lender applies its own credit, property, leverage, reserve, and underwriting requirements.
DSCR financing is generally intended for business-purpose investment properties rather than owner-occupied primary residences. Occupancy and property-use requirements vary by program.
No. Preliminary figures may change after credit review, appraisal, title, insurance, document verification, property analysis, and final lender underwriting.
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